Small business finance, Australia-wide
Your next move, funded.
Equipment, a fit-out, a big stock order, a second site or the business you've had your eye on. Tell us the move — a real person works out the fastest sensible way to fund it.
- No credit check to enquire
- $20k – $5m
- Not shopped around
Starting a café, salon, studio or shop
Finance that usually fits
- Property-secured loan if you or a director own property
- Equipment finance for the gear, usually with a deposit
- Owner funds for the rest until you have trading history
New premises, refit or refurbishment
Finance that usually fits
- Unsecured business loan for a trading site
- Equipment finance for fridges, ovens, chairs and POS
- Property-secured loan for bigger builds
Machines, kitchens, tools and tech
Finance that usually fits
- Equipment finance secured by the asset itself
- Unsecured loan for second-hand or private-sale gear
- Property-secured loan for a big upgrade
Bulk orders and busy-season stock
Finance that usually fits
- Business line of credit to draw as orders land
- Seasonal finance repaid after the peak
- Invoice finance if you sell on terms
Take over an established operation
Finance that usually fits
- Property-secured loan — goodwill alone is hard to lend on
- Caveat loan to bridge a tight settlement
- Equipment finance for plant and vehicles in the sale
Wages, tax bills and supplier runs
Finance that usually fits
- Cash flow loan sized on bank statements
- Line of credit for the ups and downs
- Invoice finance to unlock unpaid invoices
No credit check to enquire
Telling us about your next move doesn't touch your credit file. A credit check only comes up once you choose to go ahead with an application.
Not shopped around
Your enquiry isn't fired off to a long list of lenders hoping one bites. One person works out the right fit and takes it from there.
A real person on your file
A finance specialist reads what you've written and rings you. Honest, accurate answers on the form mean the right option turns up first time.
What are you funding?
Every milestone has a best-fit way to pay for it
Start with the move you're making. Each guide explains what lenders look for, what to prepare and where owners commonly trip up.
Free planning tools
Plan the money before you sign anything
The small business funding planner takes your goal, turnover, time trading, property and deadline, and hands back three things: the finance types that usually fit, a documents checklist and a realistic timeline. No rates, no sign-up, nothing saved.
- Six milestones: equipment, fit-out, stock, opening, buying a business and working capital
- Documents list tailored to your situation — the biggest thing you control
- Honest about the hard spots, like starting out without property
How it works
Four steps, one real person
No call centre maze and no auction of your details. Here's what happens after you hit the button.
- 1
Sixty seconds online
Tell us the move, the rough amount and a few facts about the business. No credit check when you first enquire.
- 2
We ring you
A finance specialist reads your enquiry and calls to understand the plan — what it costs, when you need it and what the business looks like.
- 3
One clear recommendation
You hear which route fits — secured, unsecured, equipment finance or a mix — what it needs and what it costs before anything is signed.
- 4
Paperwork, then funds
Once you decide to go ahead, we tell you exactly which documents are needed. Funds go to you or straight to your supplier.
Myth-busting
Four things small-business owners are told that aren't quite true
"The bank said no, so nobody will lend."
Banks are one door. Specialist lenders weigh security, cash flow and the purpose differently — a decline elsewhere is a starting point, not the end of the road.
"Asking about a loan hurts your credit score."
Not here. An enquiry with us involves no credit check. That only comes up once you've chosen to go ahead with an application.
"You need two years of financials for anything."
Some routes do. Others lean on property, the asset being bought or recent bank statements instead. New and young businesses have options — they're just different ones.
"An ATO debt rules you out."
Tax debt is considered case by case. Plenty of owners borrow partly to clear it — especially when there's a plan and the BAS lodgements are up to date.
Loan types
Small business loan types, side by side
Secured, unsecured, lines of credit, invoice finance and seasonal facilities — what each one is, who it suits and what a lender needs to see.
Small business loans
Small business loans explained: secured vs unsecured, how much you can borrow, what lenders assess, and how to choose the right loan for your next milestone.
Explained →Secured business loans
Secured business loans from $20k to $5m against residential or commercial property: how they work, first vs second mortgage, and who they suit.
Explained →First mortgage loans
First mortgage business loans explained: borrowing against unencumbered property or refinancing an existing loan, who they suit, and what lenders assess.
Explained →Second mortgage loans
Second mortgage business loans let you borrow against property equity while your existing home loan stays put. How they work, costs, risks and common uses.
Explained →Caveat loans
Caveat loans for small businesses: short-term funding secured by a caveat on property, when they're useful, the costs, and why a clear exit plan matters.
Explained →Unsecured business loans
Unsecured business loans for trading small businesses, typically $5k to $500k, sized on turnover and bank statements. Who they suit and the trade-offs.
Explained →Cash flow loans
Business cash flow loans: short-term funding sized on bank statements to cover timing gaps — wages, supplier runs, tax bills — and how to use them sensibly.
Explained →Working capital loans
Working capital loans for small businesses: why growing businesses run short, and how to choose between term loans, credit lines and invoice finance.
Explained →By industry
Built around the businesses on your street
Cafés need different money to clinics, and tradies borrow differently to online stores. Find your industry for the milestones it usually funds and the documents that help.
Borrowing basics
Know before you borrow
Speed, stated honestly
What "fast" can realistically look like
Speed depends on the route and how ready your paperwork is. These are the outcomes that are possible when everything lines up.
$20k – $250k
possible same day (property-secured)
Up to $5m
possible within 24–48 hours
Smaller unsecured
same-day funding possible for smaller unsecured amounts
Guides
Practical guides for your next milestone
Fit-Out Budget: What to Cost Before You Sign Anything
A practical fit-out budgeting guide for small businesses: every cost line, contingency, approvals, downtime and how to fund each part before you commit.
Hiring Your First Employee: The Cash You Really Need
The real cash cost of hiring your first employee in Australia: wages, 12% super paid each payday, PAYG, workers comp, setup costs and how to fund the ramp-up.
Moving Into Your First Business Premises: Costs and Lease
Moving your small business into its first premises: upfront costs, lease terms that affect your cash, council checks, fit-out and how to fund the move.
First 90 Days After Buying a Business: A Money Plan
A money plan for the first 90 days after buying a small business: settlement adjustments, first BAS, staff, suppliers, working capital and finance needs.
Finance-Ready Equipment Quote: What to Ask Your Supplier
What a finance-ready equipment quote needs: supplier details, itemised make and model, GST, delivery and installation, used-gear checks and payment timing.
Opening a Café: A Money Timeline From Lease to Opening
A stage-by-stage money timeline for opening a café: lease, approvals, fit-out, equipment, food safety, staff, stock and the cash you need after opening.
Small business loan questions, answered
What can a small business loan be used for?
Any genuine business purpose: equipment, vehicles, fit-outs, refurbishments, stock, opening a new venue, buying a business, hiring, tax bills or general working capital. We arrange finance for business purposes only.
How much can a small business borrow?
Property-secured business loans run from $20,000 to $5,000,000. Unsecured, cash flow and line-of-credit options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
How fast can a small business loan be funded?
It depends on the route and your paperwork. On property-secured loans, $20k to $250k is possible same day and up to $5m possible within 24–48 hours. Same-day funding is possible for smaller unsecured amounts.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've seen your options and decided to go ahead.
Can I get finance if my business is new?
Often, yes — but the route changes. Without trading history, property security, equipment finance with a deposit, or a director's property usually carry the loan. Our page on opening a business explains the mix.
Will you send my details to lots of lenders?
No. A real person reads your enquiry, works out what fits and approaches the right lender for your situation. Your details aren't blasted out to a crowd.
Do you publish interest rates?
No. Every small business loan is priced on its own circumstances — security, trading history, the amount and the term. You'll get real numbers for your situation once we understand it.
Ready for the next step?
Tell us what you're opening, fitting out, equipping or buying. One short enquiry, no credit check to ask, and a real person who calls you back with a plan.
No credit check to enquire
Not shopped around
A real person on your file