Business Loans Australia

Start-Up & Early Stage

Most banks say no to businesses under 2 years old. Specialist lenders on our panel assess start-ups on bank statement cashflow, revenue trends, and director credit — giving new businesses access to the capital they need to grow.

Established SME Growing

You've proven the model. Now you need capital to scale — a new location, more inventory, or a bigger team. We match established SMEs with lenders offering the right structure at the most competitive rate your history supports.

Sole Trader & Tradie

Irregular invoice cycles and lumpy income are normal for tradies — but banks don't always see it that way. We work with lenders who understand self-employment and can structure finance around your actual cashflow.

Retail & Hospitality

Seasonal revenue swings, fit-out costs, and stock requirements make cash flow management critical. We help retail and hospitality operators access working capital, fit-out finance, and expansion lending across a range of lenders.

Professional Services

Professional service firms often have strong earnings but need capital for practice acquisition, equipment upgrades, or partnership buy-ins. Specialist lenders offer preferential terms for licensed professionals with proven income.

Refinancing Business Debt

Multiple high-rate business loans or an ATO debt arrangement dragging on cashflow? Refinancing can reduce your monthly obligations and improve liquidity. We model the scenarios to show you exactly where you'd end up.

Covers the gap between invoices issued and cash received. Ideal for businesses with strong order books but slow-paying customers. Unsecured options available based on bank statement cashflow.

Finance a new location, franchise purchase, major hire, or market entry. Term loans with structured repayments matched to your revenue forecast and business plan.

Chattel mortgage, finance lease, and hire purchase for vehicles, plant, machinery, and fit-out. Business-use assets often attract tax benefits — speak to your accountant.

Unlock up to 85% of your outstanding invoices immediately. Cash arrives before your customers pay. Suitable for B2B businesses with reliable debtors and invoice values from $10,000+.

A pre-approved credit limit you draw on as needed and repay at your own pace. Interest charged only on what you use. Ideal for seasonal businesses or those managing unpredictable expenses.

Purchase premises for your business operations or as a commercial investment. Includes retail, office, industrial and mixed-use properties. See our dedicated commercial loans page.

What documents do I need for a business loan?

For a full-doc business loan you'll typically need: last 2 years' business tax returns and financial statements, last 6 months' business bank statements, a current profit and loss statement, and details of any existing business debts. Low-doc options exist for borrowers who can't provide full financials — usually assessed on bank statements and an accountant's declaration.

Can I get a business loan without financials (low-doc)?

Yes — many non-bank lenders offer low-doc business loans assessed primarily on bank statement cashflow rather than full financial statements. These products typically require at least 6 months of trading history. Rates are generally higher than full-doc products to reflect the additional risk.

How long does business loan approval take?

It depends on the lender and loan type. Some non-bank lenders offer same-day or next-business-day approval for smaller unsecured business loans with clean financial history. Traditional bank business loans typically take 1–3 weeks. A broker can identify the fastest-approval lenders for your specific scenario.

Do I need collateral for a business loan?

Not always. Unsecured business loans up to $250,000–$500,000 are available from specialist lenders based on business cashflow and credit profile. For larger amounts or lower rates, lenders typically require security such as residential or commercial property, business equipment, or a director's personal guarantee.

What is the minimum trading history required?

Most traditional lenders require 2+ years of trading history with financials. Some non-bank and fintech lenders will work with businesses trading for as little as 6 months if bank statements show healthy revenue. For businesses under 6 months old, start-up finance options exist, though terms and rates reflect the higher risk profile.