Business Loans
Business Loans Australia — Fast & Flexible Finance.
1800 678 880Mon–Fri 8am–6pm AESTWe match Australian businesses with the right lender, fast. Access from $20,000 to $2,000,000 with decisions in as little as 24 hours.
- Compare 30+ lenders without touching your credit file
- Soft enquiry only — no credit checks until the right option is on the table
- Decisions in as little as 24 hours
$20K–$2M
Loan amounts from
24 hours
Approval decision
30+
Lenders on panel
100%
Australian owned
What is a Business Loan?
A business loan is a lump-sum funding facility provided to Australian businesses, repaid over an agreed term with regular payments. Business loans can be secured against assets or unsecured, and are used for working capital, expansion, equipment finance, marketing, or any legitimate business purpose.
Business Loan Options
Every business is different. We match you to the right product from our panel of 30+ lenders.
Unsecured Business Loans
Access capital without putting up assets as security. Ideal for established businesses with strong cash flow.
Advantages
- No collateral required
- $20K–$500K available
- Decisions within 24 hrs
- 3–24 month terms
Secured Business Loans
Use business assets as security to access larger loan amounts at more competitive rates.
Advantages
- Higher loan amounts available
- $50K–$2M
- Competitive rates
- Flexible repayment terms
Low Doc Business Loans
Minimal paperwork required. Perfect for self-employed business owners or those with complex financials.
Advantages
- Minimal documentation
- Self-employed friendly
- Bank statements only
- Fast decisions
Business Overdraft
A revolving line of credit that gives your business flexible access to funds when you need them.
Advantages
- Revolving credit line
- Interest on drawdown only
- Flexible access
- Ongoing facility
Who is a Business Loan Suitable For?
Business loans are suited to established Australian businesses that need a defined amount of capital for a specific purpose — whether that is funding growth, bridging a cash flow gap, covering operational costs, or investing in new capabilities.
If you need flexible, ongoing access to funds, a working capital loan or line of credit may be more appropriate. If your cash flow challenge is driven by slow-paying clients, invoice finance could be a better fit. Our team will help you identify the right solution.
How Does a Business Loan Work?
From enquiry to funded in as little as 24–48 hours.
Apply Online
Complete our 2-minute form with your basic details and funding needs. No paperwork at this stage.
We Review
Our team reviews your enquiry and matches you with suitable lenders from our panel.
Receive Offer
We present you with tailored loan options. You choose what works best for your business.
Get Funded
Once approved, funds are deposited to your business account, often within 24 hours of settlement.
Common Questions
How much can I borrow?
We can help you access business loans from $20,000 up to $2,000,000 depending on your business revenue, time in business, and the type of loan you are applying for.
How quickly can I get approved?
Many of our lenders can provide a decision within 24–48 business hours of receiving a completed application and supporting documents. Some unsecured loans can settle same day.
Do I need collateral?
Not always. We offer both secured and unsecured business loan options. Unsecured loans are available to qualifying businesses without the need for physical assets as security.
What documents do I need?
Typically 3–6 months of business bank statements, proof of identity, and your ABN. Some lenders may request additional documents depending on the loan amount and type.
Can I apply with bad credit?
Yes. We work with a wide panel of lenders including those who specialise in businesses with imperfect credit histories. Each application is assessed on its merits.