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Business loans · $10,000 – $500,000
Finance that matches how the business actually earns
Working capital, expansion, stock, fit-out and cash-flow facilities for established businesses. Structured around your trading pattern rather than a fixed calendar.
Business lending is assessed on the business, not just the director. Trading history, turnover, industry, and the consistency of receipts all shape what's available and at what price.
Note that business lending is generally not regulated by the National Credit Code, which means the consumer protections that apply to personal borrowing don't apply here. We'll be explicit about what you're signing.
What it typically covers
- Working capital and cash-flow gaps
- Stock and inventory purchases
- Premises fit-out and refurbishment
- Expansion, new sites or new lines
- Business acquisition
- Tax and ATO obligations (case by case)
What you get from us
Secured and unsecured
Property-backed facilities price sharply; unsecured is faster but costs more.
Seasonal structures
Repayments can be shaped around when the business actually collects.
Established trading preferred
Six to twelve months of trading history opens most of the panel.
Plain terms
Business finance carries fewer statutory protections. We spell out what that means.
Eligibility
What lenders look at
- You're 18 or over and an Australian citizen or permanent resident
- You have some regular income — from work, self-employment, superannuation, investments or a pension
- You're borrowing an amount you can service comfortably — most of our panel starts around $10,000
- You can comfortably meet the repayments alongside your existing commitments
Every lender on the panel weighs these differently, so none of it is a fixed cut-off — send the enquiry and we'll tell you honestly what is and isn't available. If money is already tight, the National Debt Helpline offers free, independent financial counselling, with nothing to sell you.
Enquire about business loans
Two minutes. No credit check.
Rates
Why there's no rate on this page
Commercial lending is priced on the business, not a rate card — turnover, industry, trading history and security all move the number. Loans wholly or predominantly for business purposes are also not regulated by the National Credit Code, so the comparison rate regime does not apply. We quote against your actuals.
Rates for our unsecured and secured personal lending, including comparison rates and a representative example, are set out in full at the bottom of every page.
Common questions
Before you enquire
How long does my business need to have been trading?
Most panel lenders look for at least six months of trading with consistent receipts. Some require twelve. Newer businesses have fewer options and generally pay more.
Will I need to give a personal guarantee?
For most small business lending, yes. A director's guarantee is standard, and it means you are personally liable if the business cannot repay.
What documents are needed?
Typically your ABN, recent business bank statements, and BAS or financial statements. Larger facilities require full financials.
Is business lending regulated like a personal loan?
Generally no. Loans wholly or predominantly for business purposes fall outside the National Credit Code, so protections such as responsible lending obligations and hardship provisions do not apply in the same way.
Get a straight answer
Tell us the position and we'll come back with what the panel can realistically do — including if the answer is no.
Start an enquiryMatch the facility to the problem
Most business borrowing goes wrong not because the rate was high but because the structure was wrong for the need. A term loan funding a seasonal cash-flow gap leaves you paying interest for years on a problem that lasted eleven weeks.
Term loan
A fixed amount over a fixed period with scheduled repayments. Suited to a defined, one-off purpose: a fit-out, an acquisition, a considered expansion. You know the total cost from the outset.
Line of credit or overdraft
A limit you draw against and repay as cash allows, paying interest only on what is drawn. The right instrument for genuine cash-flow variation. The discipline required is real, because a facility that never returns to zero has quietly become a term loan at a worse rate.
Invoice finance
Advances against unpaid invoices, usually a substantial percentage of face value, with the balance released on payment. Where the problem is customers on 60 or 90 day terms rather than a lack of profitable work, this fixes the actual issue.
Asset and equipment finance
Secured against the thing being purchased, so priced well below unsecured lending. Covered in more detail on our equipment finance page.
What lenders assess
Commercial credit assessment leans on trading history far more than personal lending leans on payslips.
- Time trading. Twelve months of ABN activity is the common threshold. Under that the field narrows considerably.
- Turnover and its consistency. Steady monthly revenue reads better than the same annual figure arriving in two lumps.
- Bank conduct. Three to six months of statements. Dishonours and consistently negative balances weigh heavily.
- ATO position. An unmanaged tax debt is a significant obstacle. One under an active payment arrangement is often workable.
- Director history. For smaller facilities the director's own credit position carries real weight.
Two things to check before signing
Director's guarantee. Most unsecured business lending requires one. It makes you personally liable if the business cannot pay, which means the company structure stops protecting your personal assets for that debt. Understand it before you sign it, not afterwards.
The real cost of short-term lending. Facilities quoted as a "factor rate" or a flat weekly figure can carry an effective annualised cost far above what the headline implies. Ask for the total amount repayable and divide it out. If a lender will not give you that number plainly, that is itself the answer.
These loans sit outside the consumer protections
Borrowing wholly or predominantly for business or investment purposes is not regulated by the National Credit Code. The responsible lending obligations that apply to personal loans do not apply here, and the disclosure requirements are lighter. That is the standard position for commercial finance across the market, and it is why reading the contract properly matters more, not less.