Secure funds by applying online in minutes without credit checks. Fast approval with amounts from $5K to $5M available within 24 hours.
Fill out a quick online application with your basic business details. No credit checks required to get started.
Our team of finance brokers reviews your application and matches you with the best funding solution for your business.
Once approved, funds from $5K to $5M are deposited directly into your business account within 24 hours.
Keep your shelves stocked and your business moving. Access fast funding to purchase inventory and meet customer demand.
Handle surprise costs without disrupting your cash flow. Get funds fast when your business needs it most.
Upgrade your premises, fit-out your space, or rebrand your business with flexible funding solutions.
Maintain healthy cash flow to cover day-to-day operations, payroll, rent, and other essential business expenses.
We simplify business lending through a straightforward process without extensive paperwork or prolonged waiting periods. If you're speaking to the right people, getting funded is easy.
We work with a wide panel of major banks and specialist business funders to find the best deal for your unique situation.
Our team of commercial finance brokers brings decades of experience across Australian industries to deliver customized solutions.
No hidden fees, no complex paperwork. We make the lending process as straightforward as possible so you can focus on your business.
We understand that time is money. That's why we've streamlined our process to get you approved and funded as fast as possible.
Most lenders offer between 50% and 150% of your average monthly revenue for unsecured loans, while secured business loans can reach $5 million or more. Your actual limit depends on turnover, profitability, trading history, existing debt and credit profile. Unsecured online loans typically range from $5,000 to $500,000.
As of mid-2026, secured business loans range from about 6% to 10% p.a. and unsecured loans from about 9.5% to 18% p.a., with short-term unsecured products running higher. Whether the loan is secured is the biggest single driver of your rate — there's usually a 4–6% gap between secured and unsecured pricing.
A secured loan is backed by an asset (property, equipment, or a caveat over the director's home), which lowers the lender's risk and your interest rate. An unsecured loan requires no collateral, so it's faster to approve but costs 4–6% more p.a. Secured suits large, long-term borrowing; unsecured suits speed and smaller amounts.
You'll generally need an active ABN, GST registration, and at least 6 months of trading, plus minimum monthly revenue (often around $5,000–$10,000). Lenders also assess your credit history, cash flow and loan purpose. Banks apply stricter criteria than non-bank and online lenders, who prioritise recent bank-statement performance.
Online and non-bank lenders can approve and fund in 24–48 hours; traditional banks typically take 2–4 weeks due to heavier documentation and stricter assessment. Speed depends on how quickly you supply bank statements, ID and financials, and on whether the loan is secured (secured takes longer due to valuations).
At minimum: proof of identity, your ABN, and 6–12 months of business bank statements. Larger or secured loans may also require BAS statements, tax returns, financial statements (P&L, balance sheet) and details of any assets offered as security. Online lenders increasingly assess directly via read-only bank-statement data.
Yes — specialist and non-bank lenders offer bad-credit business loans, though at higher interest rates and often with shorter terms or a security requirement. Offering an asset as security, demonstrating strong recent cash flow, or using a broker improves your chances. Defaults and ATO tax debt make approval harder but not impossible.
It's harder but possible. Most mainstream lenders want at least 6–12 months of trading, but some specialist lenders fund from 3–6 months, and startups can access equipment finance (the asset secures the loan) or a director's-guarantee-backed facility. A solid business plan, forecasts and personal asset backing strengthen a new-business application.
Yes — interest on a business loan is generally tax deductible when the borrowed funds are used for genuine business purposes. Fees and charges are typically deductible too. At the 25% base-rate company tax rate, an 18% interest cost is effectively around 13.5% after tax. Always confirm with your accountant, as deductibility depends on use of funds.
Choose a bank for the lowest rates if you have strong financials and time; choose a non-bank/online lender for speed, flexibility and approval with shorter trading history or imperfect credit. Banks may offer 6–10% but want full financials and weeks; non-banks approve in days on bank statements alone, at higher rates.
Disclaimer: This calculator provides estimates only and is intended as a general guide. Interest rates shown are indicative and vary between lenders based on loan type, security, term and borrower profile. Actual rates, fees and repayment amounts will differ. This tool does not constitute financial advice. Business Money Guide accepts no liability for decisions made based on these estimates. We recommend speaking with a qualified finance professional before entering into any loan agreement.
