Business loans,
matched to your needs.

Business loans and working capital for Australian businesses

Every business hits points where access to funding shapes what happens next, whether that is covering a seasonal dip, buying stock ahead of a busy period, or investing in growth. We help business owners compare lenders across unsecured business loans, secured facilities and cashflow products, so you can weigh the cost, term and flexibility of each against what your business actually needs.

Bank and non-bank lenders assess businesses differently. Some focus on trading history and turnover, others on the strength of your balance sheet or the security on offer. Because we compare a broad panel rather than a single lender's product, we can often identify options a business owner would not find on their own, and explain the trade-offs between a lower rate and faster, more flexible funding.

What lenders look at

Most business lenders consider your time in business, your turnover, your ABN and GST registration status, and recent bank statements or financials. Established businesses with clean records typically have more options; newer businesses or those with a less straightforward profile may suit a different group of lenders. If full financials are a hurdle, low-doc options may be available, and we can talk you through what each path involves.

Finance is subject to lender approval and individual lending criteria, and is provided for business purposes. We do not guarantee a particular rate, amount or approval. Our role is to compare the market and arrange finance suited to your circumstances.

Choosing the right facility

The cheapest headline rate is not always the best fit. A secured facility may cost less but take longer to settle; an unsecured loan may fund quickly but suit a shorter term. Cashflow products can bridge timing gaps without locking you into a long commitment. The right choice depends on why you need the funds, how quickly, and how predictable your repayments need to be. We talk through those trade-offs with you rather than pushing a single product, and we explain any fees a lender charges before you proceed.

Secured and unsecured business loans

Business funding broadly splits into secured and unsecured options, and the right one depends on what you have to offer and how quickly you need the funds. A secured facility, backed by property or another asset, may cost less but typically takes longer to settle and involves more documentation. An unsecured business loan can fund faster and without tying up an asset, which suits short-term needs and opportunities, though it is assessed closely on trading history and turnover. We compare both across our panel so you can weigh the genuine trade-offs rather than accepting the first product a single lender offers. All business finance is provided for business purposes and is subject to lender assessment and approval.

Funding for established and growing businesses

Established businesses with clean records and consistent turnover usually have the widest range of options, but newer businesses are well catered for too, including through Low Doc business loans where full financials are not yet available. Lenders differ in the time in business they require, the turnover they look for, and the industries they favour, which is precisely why comparing a panel rather than approaching one bank is worthwhile. We assess your profile, identify the lenders most likely to suit it, and prepare the application so it is presented well. As a Melbourne-based brokerage working with businesses across Australia, we stay your single point of contact throughout, and we explain any fees a lender charges before you proceed. We do not promise a particular rate or guarantee approval.