Business loans and working capital
Funding to manage cash flow, buy stock, pay a tax bill or grow. Secured and unsecured options from banks and specialist business lenders.
Common uses
Working capital
Bridge the gap between paying suppliers and getting paid.
Lines of credit
Draw funds when you need them and pay interest only on what you use.
Unsecured business loans
Fast funding without property security, for established businesses.
Tax debt and BAS
Spread a tax bill over time and keep your cash flow steady.
Invoice finance
Unlock cash tied up in unpaid invoices.
Business growth
Fund a fit-out, new location, hiring or marketing push.
One application, many lenders
- Specialist business lenders as well as the big banks
- Fast approvals for straightforward applications
- Help choosing between a term loan, line of credit or invoice finance
- We explain the true cost, not just the headline rate
*Any broker fee is disclosed in our Credit Guide and Quote before you proceed.
From quote to settlement
Tell us what you need
Apply online: what the finance is for, how much, and some details about you or your business.
We compare lenders
We look across our lender panel for options that fit your situation, not just the first lender that says yes.
We do the paperwork
We prepare and lodge the application, deal with the lender and keep you updated.
Funds settled
Once approved, you sign the contract and the funds are paid to you or your supplier.
Business loans: common questions
How quickly can I get a business loan?
For unsecured business loans, some lenders give a decision within 24 to 48 hours once they have your bank statements and details. Larger or secured loans take longer.
Do I need property as security?
No. Unsecured business loans are available for established businesses. Secured loans can offer lower rates and higher limits.
What documents will I need?
Usually your ABN, recent business bank statements and ID. Larger loans may need financial statements, tax returns and an ATO portal statement.
Can I get finance with an ATO debt?
Often, yes. Some lenders will refinance or work around an ATO payment plan, depending on its size and your trading history.
Credit Guide and Privacy Consent. Please read our Credit Guide, Quote and Privacy Consent before you apply. It explains our services, fees, the commissions we may receive and how we handle your information.
Ready to see your options?
Apply online in a few minutes. We'll come back to you with options that suit you.