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Business Loans

Flexible business finance to support growth, cash flow, and expansion

Business finance that supports real-world operations

Business loans can be used to fund a wide range of needs — from managing cash flow gaps to supporting expansion, purchasing stock, or consolidating existing business debt.

We work with a range of lenders to help identify options based on your business structure, trading history, and cash flow — whether you’re a sole trader, company, or trust.

Our focus is on helping you understand your options clearly, so the finance supports your business rather than creating unnecessary strain.

Why choose us for business loans?

  • Access to multiple business lenders: We compare a range of lenders offering business loan and SME finance solutions, rather than relying on a single provider.
  • Structure-first approach: We assess how the loan fits your cash flow, trading history, and business structure — not just the loan amount.
  • Support for different business types: We assist sole traders, companies, partnerships, and trusts across a wide range of industries.
  • Clear, upfront guidance: We explain options, requirements, and expectations before an application is submitted.
  • No-pressure assessment: An initial review does not impact your credit file. We only proceed once you’re comfortable.

How it works

01
Share your business details

Tell us about your business, funding needs, and how you plan to use the loan. You don’t need every detail finalised to begin an assessment.

02
Review suitable options

We assess your trading history, cash flow, and structure, then explain suitable business loan options, including indicative terms and repayments.

03
Apply and access funds

Once you’re ready, we submit an application with your approval. If approved, funds are released according to the lender’s process and loan structure.

Eligibility criteria

Eligibility for business loans varies depending on the lender and loan type. Common considerations include:

  • Australian-registered business
  • Minimum trading history (varies by lender)
  • Stable business income or cash flow
  • Acceptable credit history
  • Clear purpose for the loan
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Documents required

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Proof of identity
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Business details
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Bank statements
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Financials or BAS (if required)

Frequently asked questions

Learn more about business loan options, eligibility, documentation, and approval processes to help you make informed funding decisions.

What can business loans be used for?

Business loans can be used for purposes such as working capital, expansion, stock purchases, refinancing, or general business expenses, depending on lender policy.

How long does approval take?

Timeframes vary based on the lender and documentation provided. Some business loans may be assessed quickly, while others require more detailed review.

Do business loans require security?

Some business loans are unsecured, while others may require security such as property or business assets. This depends on the loan type and lender.

Will applying affect my credit score?

An initial assessment does not impact your credit file. A credit check may occur once a formal application is submitted, with your approval.

Can new businesses apply for loans?

Some lenders consider newer businesses, though options may be more limited and subject to additional requirements.

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