Business Finance Solutions
Working Capital Loans
Short-term funding to cover day-to-day expenses, inventory, or seasonal fluctuations.
Equipment Finance
Finance machinery, vehicles, or equipment for your business with flexible terms.
Business Line of Credit
Flexible access to funds when you need them. Only pay interest on what you use.
Invoice Finance
Unlock cash tied up in unpaid invoices. Get up to 85% of invoice value upfront.
Trade Finance
Finance for importing goods or purchasing stock before sale.
Merchant Cash Advance
Funding based on your card sales. Repay as a percentage of daily transactions.
What Can Business Finance Fund?
Expand Operations
Open new locations, hire staff, or increase production capacity.
Purchase Equipment
Invest in machinery, vehicles, or technology to grow your business.
Manage Cash Flow
Bridge gaps between paying suppliers and receiving customer payments.
Stock Up Inventory
Buy bulk inventory at discounts or prepare for peak seasons.
Marketing & Growth
Invest in marketing campaigns or digital transformation.
Seize Opportunities
Act quickly on new contracts, tenders, or market opportunities.
Loan Type Comparison
| Feature | Unsecured | Equipment | Line of Credit |
|---|---|---|---|
| Approval Speed | 24-48 hours | 2-5 days | 3-7 days |
| Security Required | None | Equipment | Varies |
| Interest Rates | 9-25% | 5-12% | 8-18% |
| Max Amount | $500k | $2M+ | $1M |
| Best For | Working capital, urgent needs | Major purchases, vehicles | Ongoing flexibility |
Industries We Serve
And many more industries across Australia
Why Choose Us?
Fast approval - decisions in as little as 24 hours
Competitive rates from multiple lenders
Flexible terms from 3 months to 5 years
Secured and unsecured options available
Dedicated business finance specialists
No early repayment penalties with most products
Eligibility Criteria
Businesses registered in Australia (ABN required)
Minimum 6-12 months trading history
Minimum monthly revenue of $10,000+
Clear credit history (some lenders accept adverse credit)
All business structures: sole trader, partnership, company, trust
Don't meet all criteria? Contact us anyway - we may still be able to help with specialist lenders who have flexible requirements.
Simple Application Process
Consultation
We discuss your business needs and identify the best funding solution.
Application
We prepare your application with all required documentation.
Approval
Fast turnaround with decisions often within 24-48 hours.
Funding
Funds deposited directly to your business account.
Frequently Asked Questions
What documents do I need for a business loan?
Typically you'll need: 6+ months of business bank statements, latest tax returns or financial statements, proof of identity, and ABN/ACN registration. For equipment finance, you'll also need a quote or invoice for the asset.
Can I get a business loan with no security?
Yes, unsecured business loans are available for amounts typically up to $500,000. These loans rely on your business cash flow and trading history rather than property or assets as security. Rates are higher but there's no risk to your assets.
How quickly can I get funding?
This depends on the product and lender. Unsecured loans and merchant cash advances can settle within 24-48 hours. Equipment finance typically takes 2-5 business days. Secured loans against property can take 2-4 weeks.
Will a business loan affect my personal credit?
Most business lenders will check the personal credit of directors/owners as part of the application. Some products require a personal guarantee, which means you're personally liable if the business can't repay. We can help you understand the implications.
What if my business has bad credit?
Some specialist lenders work with businesses that have adverse credit history. While rates will be higher, options are available if your business has strong cash flow. We work with a range of lenders to find solutions.
Is the interest tax deductible?
Yes, interest on business loans used for business purposes is generally tax deductible. Equipment finance may also offer depreciation benefits. We recommend consulting with your accountant for specific tax advice.