Commercial Finance

Business Loans for Growth, Capital and Operations

Whether you need working capital, funds to expand, or finance to take on a larger contract, we help Australian businesses access business loans structured around their actual needs and cashflow.

Get a Quote Call Us

Business loan uses we assist with

✓ Working capital and cashflow gaps
✓ Business expansion and growth
✓ Stock and inventory purchases
✓ Contract funding and project finance
✓ Equipment deposits and fit-outs
✓ Secured and unsecured structures available

The basics

What is a business loan?

A business loan is funding a business borrows to start, run or grow, repaid over time with interest. It can be a lump sum for a specific purpose or a flexible facility you draw on as needed, and it can be secured against an asset or unsecured based on your trading. The right type depends on what you are funding, how quickly you need it and your business profile.

As finance brokers, we compare business lending across our panel of banks, non-bank lenders and specialist financiers, then guide you to a loan that fits your purpose and your cash flow rather than the one product a single bank happens to offer. We prepare and manage the application, which improves your chances of a clean approval and saves you the legwork of approaching lenders one by one.

We arrange secured and unsecured business loans, lines of credit, working capital facilities and short-term business loans for businesses across Melbourne and Australia-wide. Whether you are covering a cash flow gap, funding growth, buying stock or equipment, or taking on a new opportunity, we match you to a loan and a lender that suit your situation. Business loans are also commonly used to clear an outstanding tax debt, and our guide to ATO tax debt finance covers how lenders assess these applications. Below is how business lending works and the options worth knowing about.

Which loan fits

Secured, unsecured and everything between.

Business loans come in several shapes. The right one depends on how much you need, how fast, and whether you have security to offer. Here are the main options.

🏢

Secured business loan

Backed by an asset such as property, equipment or other business assets. Because the lender has security, secured loans can support larger amounts, longer terms and often more competitive pricing. They suit bigger investments, expansion or refinancing where you have an asset to offer.

⚡

Unsecured business loan

No specific asset is held as security, assessed instead on your business trading and cash flow. Typically faster to arrange and useful when you need funds quickly or do not want to tie up assets, often suited to smaller or shorter-term needs. A personal guarantee is usually still required.

💵

Line of credit and overdraft

Revolving facilities you draw on as needed and repay over time, giving ongoing access to funds without reapplying. Ideal as a standing buffer for cash flow swings or to move quickly when an opportunity appears. See working capital and cashflow finance.

📈

Short-term business loan

A lump sum repaid over a shorter period, useful for a specific one-off need such as a large order, an urgent cost or bridging a known gap. Fast to arrange when timing matters more than a long repayment term.

Not sure which suits your situation? We will talk through what you are funding and how quickly you need it, then match you to the right structure and a lender whose policy fits, rather than sending your application to one likely to decline.

What it funds

What businesses use a loan for.

Working capital and cash flow

Covering the gap between money going out and coming in, bridging seasonal dips, funding payroll or keeping operations smooth while you grow. One of the most common reasons businesses borrow.

Growth and expansion

Opening a new site, hiring, buying stock, funding a marketing push or taking on a larger contract. Capital to act on an opportunity when waiting to self-fund would mean missing it.

Stock, equipment and one-off costs

Buying inventory ahead of a busy period, funding equipment or vehicles, or covering an urgent cost such as a repair. For equipment specifically, an asset-based structure may suit better, and we can compare both.

Getting ready

Low-doc options and what lenders look at.

Not every business has full, up-to-date financial statements ready, and that does not have to stop you. Low-doc options may be available where full financials are not required, assessed instead on your bank statements, BAS and trading, depending on the lender and your circumstances. This can suit self-employed borrowers, newer businesses or those between accounting periods.

When assessing a business loan, lenders typically look at your ABN and trading history, GST registration, cash flow and turnover, any security you can offer, the purpose of the funds, and your business and personal credit position. Each lender weighs these differently, which is exactly why comparing across a panel matters. We look at your profile, match you to lenders likely to be comfortable with it, and prepare the application properly so it has the best chance of a clean approval.

Why a broker

Why use a business loan broker?

Business lending policies vary enormously between lenders, and the same application can be declined by one and approved by another. A bank offers only its own products at its own policy. As brokers, we compare across a panel including specialist business lenders, so when one will not fund your need or offers ordinary terms, we have others to approach. We prepare the application, handle the lender liaison, and save you the time and multiple credit checks of applying around yourself.

We are based in Pakenham and work with businesses across Melbourne's south-east and Australia-wide. You deal directly with us, not a call centre, and we take the time to understand what you are funding and match the loan to your situation. It is finance guidance from people who understand small business, not a form processed at arm's length.

Questions

Business loans, answered.

What is the difference between a secured and unsecured business loan?

A secured loan is backed by an asset such as property or equipment, which can support larger amounts, longer terms and often better pricing. An unsecured loan needs no specific asset as security and is assessed on your trading and cash flow, usually faster to arrange but suited to smaller or shorter-term needs.

Do I need property to get a business loan?

Not necessarily. Unsecured options are assessed on your business cash flow rather than property, though a personal guarantee is usually required. Secured loans backed by property or assets can offer better terms where you have security to provide.

What can a business loan be used for?

Working capital and cash flow, growth and expansion, hiring, buying stock or equipment, covering one-off costs, or taking on a new opportunity. The right structure depends on the purpose and how quickly you need the funds.

Is low-doc business finance available?

In many cases, yes. Low-doc options may be available where full financial statements are not required, assessed on bank statements, BAS and trading instead, depending on the lender and your circumstances.

Can I get a loan for a newer business?

Often yes. Some lenders work with newer businesses and startups, though terms may differ and additional security or a larger contribution can help. We match you to a lender whose policy fits your stage.

How fast can it be arranged?

It varies with the loan type and lender. Unsecured and short-term facilities can move quickly once we have your details, while larger secured loans take longer. We give you a realistic timeframe upfront rather than an empty promise.

What do lenders look at?

Typically your ABN and trading history, GST registration, cash flow and turnover, any security offered, the purpose of the funds, and your credit position. Each lender weighs these differently, which is why comparing across a panel matters.

Can I use a business loan for cash flow?

Yes, and there are facilities designed specifically for it. Lines of credit, overdrafts and working capital finance are built to smooth cash flow rather than fund a one-off purchase. See our working capital and cashflow finance page.

Why use a broker instead of my bank?

A bank offers only its own products at its own policy, and the same application can be declined by one lender and approved by another. We compare across a panel including specialist business lenders, prepare the application and handle the liaison.

Local finance broker

Business Loans Near You

Let Us Help You Access the Right Business Funding

Tell us about your business and what you need. We will find loan options structured around your situation from our panel of specialist lenders.