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.
Read more →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.
Read more →First mortgage loans
First mortgage business loans explained: borrowing against unencumbered property or refinancing an existing loan, who they suit, and what lenders assess.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →Line of credit
A business line of credit gives a small business a standing limit to draw and repay as needed. How it works, when it beats a term loan and how to use it.
Read more →Invoice finance
Invoice finance lets small businesses that sell on terms draw cash against unpaid invoices. How factoring and discounting differ, costs, and who it suits.
Read more →Seasonal finance
Seasonal business finance for small businesses with busy and quiet months: funding pre-season stock and quiet-month costs, and timing repayments to your peak.
Read more →See what your business could qualify for
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