A business loan gives you a lump sum (or a limit you can draw on) that you repay over an agreed term. In Australia the market runs from bank lending through to online lenders, specialist non-bank lenders and private lenders, and each has its own view on risk.
32 products from 14 lenders ยท Last checked 24 Sept 2026
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32 products from 14 lenders
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Term loan from $20K to $2M over 12 or 16 months for cash flow needs, with the option of up to 4 months of interest-only repayments.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Business term loan from $20K to $500K with fixed repayments.
Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Business term loan from $250K, arranged through a relationship banker, for growth or equipment, with fixed, variable or combined rate options.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Secured business loan from $50K to $2M over 1 to 30 years for cash flow, stock, property, equipment, buying a business, refinance or tax debt.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Term loan up to $5M over 6 months to 3 years for existing Octet trade or invoice finance clients, for growth, equipment or refinance.
Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.
Term loan from $25K to $2M over up to 5 years for any business purpose, such as capital projects or expanding premises.
Unsecured loan to an owners corporation for building works, upgrades or remediation, from $250K to $10M over 2 to 15 years.
Smaller unsecured strata loan from $50K to $250K for works, legal costs, insurance premiums or refinancing, paid in one lump sum.
Strata project funding where some owners pay their share upfront and others repay through loan levies.
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That is why two businesses with similar turnover can walk away with very different offers. Credit history, cash in the bank, time trading, security and the reason for the loan all change which lenders will say yes, and on what terms.
You apply with basic business details and usually bank statements. The lender assesses your cash flow, credit and any security offered, then makes an offer that sets the amount, term, rate or fee, and repayment frequency. Unsecured loans usually rely on cash flow and a director guarantee. Secured loans use property or assets, which can lift the amount available and lower the cost.
An unsecured business loan does not take a specific asset as security, although lenders usually take a personal guarantee from directors. A secured loan is backed by property or business assets. Security usually means higher limits and lower pricing, while unsecured loans are typically faster and need less paperwork.
It depends on the lender. Some online lenders publish minimums from around six months trading, while banks and many non-bank lenders prefer two years or more. Property-secured and private lenders can sometimes look past a short trading history if the security is strong.
Browsing products on this site does not involve a credit check. A lender may run a credit enquiry when you formally apply, so it is worth narrowing down the lenders most likely to approve you before applying to several.
Business finance pricing is individual. Advertised figures are usually starting rates. Your offer depends on your credit history, trading performance, security, industry and the loan structure you choose.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.