Business & asset finance
Business loans
Funding to smooth cash flow, take on a new contract, buy stock or grow. We’ve run businesses ourselves, so we understand what’s at stake.
Types of business funding
- Unsecured business loans: fast funding without property security, usually for shorter terms.
- Secured business loans: larger amounts at sharper rates, secured against property or business assets.
- Lines of credit and overdrafts: draw funds as you need them to manage cash flow.
- Invoice and trade finance: unlock cash tied up in unpaid invoices or stock.
- Business acquisition: funding to buy a business or buy out a partner.
Lenders usually want to see how long you’ve been trading, your turnover (bank statements or BAS) and what the funds are for. We’ll tell you upfront what’s needed so there are no surprises.
Choosing the right type of funding
The best option depends on how much you need, how quickly, what it’s for and what security you can offer. Short-term needs like a stock purchase or a cash-flow gap often suit an unsecured loan or line of credit. Bigger, long-term plans like buying a business or premises usually suit secured lending. We’ll lay out the options side by side, including the total cost.
How the process works
- 1. Tell us what you need: the amount, the purpose and your timeframe.
- 2. We match lenders: from the major banks to specialist business lenders.
- 3. Approval: some unsecured lenders can approve quickly, while secured loans take longer.
- 4. Funding: we manage the paperwork through to settlement.
Buying equipment or vehicles? See equipment finance. Need property-backed funding fast? See private funding. Buying premises? See commercial property loans.
Ready to talk?
Answer a few quick questions and a broker will come back to you within one business day.
Related services
FAQ
Common questions
How long do I need to be trading to get a business loan?
Many lenders want at least 6–12 months of trading, but requirements vary. Newer businesses may still have options, especially with security or strong industry experience.
Can I get a business loan without property security?
Yes. Unsecured business loans are available, usually for smaller amounts and shorter terms, and they generally cost more than secured lending.
How fast can I get business funding?
Some unsecured lenders can approve and fund within days once they have your information. Secured and larger loans take longer because of valuations and legal work.
What documents do I need for a business loan?
Usually ID, your ABN, recent business bank statements and sometimes BAS or financial statements. Larger loans may need more detail about your business and the purpose of the funds.
Need funding for your business?
Tell us how much you need and what it’s for. We’ll come back to you within one business day.
