Business Loans

Business funding structured around how you actually operate

Working capital, expansion finance, or cash flow support — we help Australian businesses access the right funding without the bank runaround.

Get a Business Loan Quote

No credit impact24-48hr turnaround

Business funding options

Different problems need different solutions. Here are the main types of business finance we arrange.

Working Capital

Short-term funding to cover cash flow gaps, stock purchases, or unexpected expenses. Designed to keep your business operating smoothly when timing doesn't line up.

Business Term Loans

Structured funding for growth projects, expansion, or major purchases. Fixed repayments over a defined term so you can plan ahead with certainty.

Debt Consolidation

Combine multiple business debts into a single, more manageable repayment. Simplify your finance, reduce admin, and potentially save on total interest.

Line of Credit

Flexible access to funds when you need them, with interest only on what you draw. Ideal for businesses with variable cash flow or seasonal demands.

Who business loans are for

We work with Australian businesses across a range of industries. If you've been trading for six months or more and need funding to operate or grow, we can likely help.

Trades and construction

Transport and logistics

Professional services

Retail and hospitality

Plus any Australian business with 6+ months trading history and a clear purpose for the funds.

How businesses actually use this

Real scenarios we see regularly — and how the right funding solves each one.

Cash flow bridge

A builder needs to cover materials and subcontractors before their client's progress payment comes through. A short-term working capital facility bridges the gap — the builder keeps the project moving without dipping into reserves or delaying suppliers.

Growth funding

A transport operator wants to add a second truck to take on a new contract. A business term loan is structured around the revenue the new vehicle will generate — repayments are covered by the additional income from day one.

Debt cleanup

A cafe owner has four different finance agreements from different stages of setup — equipment, fit-out, a credit card, and a short-term loan. Consolidation into one repayment simplifies their bookkeeping, reduces total monthly outgoings, and frees up cash flow.

Business loan FAQs

Business loan amounts vary depending on the type of funding, your trading history, and financial position. We work with amounts from $20,000 to over $500,000. We'll give you a realistic range early in the conversation.

For working capital and lines of credit, funds can sometimes be available within 48-72 hours of approval. Term loans and consolidation may take a little longer depending on complexity. We'll set clear expectations upfront.

It depends on the loan type and amount, but typically we'll need recent BAS statements, bank statements, and basic business financials. We'll tell you exactly what's needed after our initial conversation — no guessing.

Not always. Some business loans are unsecured (based on cash flow and trading history), while others may require property, equipment, or a director's guarantee. We'll explain the options and what each one means for you.

Let's find the right funding for your business

Tell us about your business and what you need the funding for. We'll come back with options — usually within 24-48 hours. No obligation, no credit impact.

"Alex found me a rate almost 2% lower than my bank offered. The whole process took less than a week."
— Vehicle finance client, Sydney