Business finance, built around the cashflow
Working capital, equipment, vehicles, debtor finance, and expansion funding. We map the structure to the cashflow profile, not the other way around.
Quick repayment estimate
Move the sliders to see how rate, term, and amount move the monthly figure. Hypothetical: this is not a quote.
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Business finance, by what the money does
Working capital plugs a cashflow gap. A term loan funds expansion. A line of credit smooths seasonal swings. Invoice finance unlocks debtor book. The right structure depends on whether the funding is for growth, smoothing, or asset purchase, not on which lender shouts loudest.
Working Capital
Short-term funding to manage cash flow, cover expenses, or seize opportunities. From $5,000 to $500,000.
- Unsecured options
- Fast approval
- Flexible terms
Business Expansion
Fund your growth plans, new locations, equipment, staff, or inventory. Up to $5M+.
- Secured & unsecured
- Competitive rates
- Long-term finance
Commercial Property
Finance your business premises, warehouse, or investment property. Owner-occupied and investment.
- Owner-occupied
- Investment property
- SMSF lending
Line of Credit
Flexible revolving credit for ongoing business needs. Only pay interest on what you use.
- Pay as you use
- Revolving credit
- Flexible drawdowns
Invoice Finance
Unlock cash tied up in unpaid invoices. Get up to 90% of your invoice value upfront.
- Up to 90% advance
- Improve cash flow
- Flexible facility
Startup Funding
Finance for new businesses and startups. Options available for ABN holders from day one.
- New ABN OK
- Low-doc options
- Mentorship support
Sectors with their own finance shape
Tradies need working capital tied to invoice cycles. Healthcare practices fund equipment differently to retailers funding inventory. Hospitality operators carry seasonal turn. Each sector has lenders who price the risk properly because they understand the cashflow shape.
Business finance, structured around the cashflow
The biggest mistake in SME finance is forcing a structure to fit a lender, instead of finding the lender whose product fits the structure. A broker reads the BAS, the P&L, and the trading rhythm, then maps that to a panel of more than 50 Australian business lenders, banks, non-banks, fintech, and asset specialists. Result: the right product, priced properly, decided on the cashflow profile, not on whichever bank you happened to walk into first. Lender pays the broker on settlement; full disclosure in the Credit Guide.
Fast Approval
Get a decision in as little as 24 hours. Brokers know time matters.
50+ Lenders
Access Australia's biggest panel of business lending specialists.
Flexible Terms
Secured and unsecured options from $5K to $5M+ with flexible repayments.
Expert Guidance
Dedicated business broker specialists who understand your industry.
Find a Broker
- 50+ SME-focused lenders on the panel
- $5,000 to $5M+ on most structures
- Unsecured options up to $500K for qualifying borrowers
- 24 to 48-hour conditional decision typical
- No fee to the borrower; lender pays commission on settlement
Common Scenarios
Common business loan scenarios explained, from cash-flow to commercial property.
Needed working capital urgently for a new project. The broker match got me $200K unsecured in 48 hours. Incredible service.
Expanded our restaurant to a second location with a business loan arranged by the broker partner. The rate was better than our bank offered.
As a startup, I thought getting finance would be impossible. They found a lender who backed us from day one. Game changer.
- NewsBusiness loans at 4.35%: where SME credit is tightening, and what to ask your lender
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- BlogSME Business Loans in Australia (2026): The Five Loan Types and Which One Fits Your Business
- BlogEOFY 2026 Business Finance Checklist: Instant Asset Write-Off, Equipment Finance & Tax Timing
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Business Loan FAQs
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Ready to Fund Your Business?
Tell us your situation. The broker network will return with options that fit. Our business broker specialists are standing by.