Business Loans
Funding for cash flow, equipment, working capital or another eligible business purpose.
Business lending is assessed around the purpose, the trading position, cash flow and the security available — not around a personal income model.
Lending predominantly for business purposes generally sits outside the consumer credit rules and may involve a business purpose declaration. We explain what that means for the facility, the documentation and the protections that do and do not apply before you proceed.
What this typically includes
Secured and unsecured facilities
Working capital, equipment and cash flow
Terms matched to the business purpose
Assessed outside consumer credit rules
FAQ
Business Loans questions
How is a business loan different from a consumer loan?
Business lending is assessed around the business purpose, trading position, cash flow and available security. Lending predominantly for business purposes generally sits outside the consumer credit rules and may require a business purpose declaration. We explain the facility and documentation requirements before you proceed.
What documents will I need?
Typically business bank statements, BAS, financial statements and tax returns, plus details of existing commitments. Lighter-touch options exist for smaller facilities. We confirm the exact list once the purpose and amount are clear.
Can my business borrow if I have had credit issues?
Often, yes. Business lenders weight trading performance and cash flow heavily, and some take a more accommodating view of a director’s personal credit history than consumer lenders do. Security and consistent turnover both help the case.
How quickly can business funding be arranged?
It depends on the facility and the documentation. Smaller unsecured facilities with clean bank statements can move quickly; secured or larger facilities take longer because of valuation and legal steps. We give you a realistic timeframe up front.
Do I have to offer property as security?
Not always. Unsecured facilities exist, generally at a higher rate and a lower limit. Offering security usually improves both the rate and the amount available, so we set out both paths and let you weigh them.
Can a newer business get finance?
Often, yes. A shorter trading history narrows the lender panel rather than ruling finance out, and consistent turnover through the business account carries a lot of weight at that stage.
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Calls run 7 days, 9:00am–11:00pm Sydney time.