Business loans for the next chapter
Working capital, stock, expansion or a quiet month: your broker compares banks and specialist lenders.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How business loans work with us
Beyond the banks, dozens of specialist lenders now offer fast unsecured loans, credit lines and invoice finance, at very different costs.
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Your broker compares each option’s true cost and matches the product to what you need the money for.
- Working capital
- Stock and inventory
- Business expansion
- Overdrafts and lines of credit
- Invoice finance
- Business acquisition
Secured and unsecured
Borrow against property for sharper rates, or unsecured for speed.
Lines of credit
Draw funds as needed; pay interest only on what you use.
Invoice finance
Unlock cash tied up in unpaid invoices.
Fast decisions
Some lenders our partner brokers work with decide quickly on smaller amounts.
Secured vs unsecured business loans: how to choose
Secured loans may offer larger amounts and longer terms but put the asset at risk; unsecured loans are quicker but usually cost more. Your broker matches the option to the purpose, your trading and available security.
Read the full explanation
A secured business loan uses an asset, often property, as security. Because the lender has something to fall back on, secured loans may offer larger amounts and longer terms, but they take longer to arrange and put the asset at risk if repayments stop. Unsecured business loans rely on your trading history and cash flow instead. They can be quicker to arrange and suit shorter-term needs, though the cost is usually higher and many lenders ask directors for a personal guarantee.
The right choice depends on what the money is for. Funding a fit-out or buying a business may suit a longer secured loan, while bridging a cash flow gap or buying stock for a busy season may suit an unsecured loan or line of credit. A line of credit lets you draw and repay as needed and pay interest only on what you use. Your broker looks at the purpose, your trading and any security available before suggesting which lenders to approach.
- Established businesses needing working capital
- Owners funding expansion, fit-outs or premises
- Businesses with seasonal cash flow gaps
- Buyers purchasing an existing business
Pros and watch-outs
Pros
- Banks through to specialist lenders
- Unsecured options without property
- Lines of credit for flexible access
- Fund growth without giving up equity
Watch-outs
- !Unsecured usually costs more than secured
- !Directors commonly give personal guarantees
- !Frequent short-term repayments can strain cash flow
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Interest
Varies widely by lender, security, term and risk.
Establishment or origination fee
Specialist lenders often charge a set amount or loan percentage.
Line fees
Lines of credit may carry an ongoing fee on the limit, even undrawn.
Repayment frequency
Daily or weekly repayments hit cash flow harder than headline costs suggest.
Early repayment
Some unsecured loans charge full interest despite early payout; check.
Tips to strengthen your application
- 1Know exactly what the funds are for; purpose shapes the product
- 2Prepare recent BAS, bank statements and financials before applying
- 3Compare total loan cost, not the headline figure
- 4Ask how repayments are collected: daily debits suit few businesses
What you’ll need
What you’ll need
- ABN and business registration
- Driver's licence (each director or owner)
- Recent business bank statements
- BAS or financials (full-doc loans)
- Short summary of what the funds are for
What lenders look for
- Active ABN (some lenders want 12+ months; others accept newer)
- GST registration for larger or low-doc deals
- Clear owner or director credit, or a good explanation for issues
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Business loans: common questions
How fast can I get a business loan?
Smaller unsecured loans can sometimes be approved and funded within a few days. Larger or secured loans take longer because of valuations and legal work.
Do I need property as security?
Not always. Unsecured business loans are available, but they usually cost more. Property security can reduce your rate significantly.
What is invoice finance?
Invoice finance lets you borrow against unpaid invoices, improving cash flow while you wait for customers to pay.
Can I get a loan to buy a business?
Yes. Acquisition finance is available. Lenders will want to see the business’s financials and your experience.
What do lenders look at for a business loan?
Most lenders look at how long you have been trading, turnover, cash flow, existing debts, credit history and any security offered. Specialist lenders may focus more on recent bank statements, while banks often want full financials. Your broker will tell you what each lender needs.
Can I get a business loan with bad credit?
Some specialist lenders consider businesses with past credit issues, particularly if they are resolved and recent trading is solid. The cost may be higher and amounts smaller. Being upfront with your broker about the history helps them approach the right lenders.
Should I use a business loan or a line of credit?
A loan suits a one-off purchase with a clear cost, while a line of credit suits ongoing or unpredictable needs like stock and wages. Some businesses use both. It depends on how your cash flow moves through the year.
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Let’s find the right business loan
Two minutes to start, and comparing options won’t affect your credit score.