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.
72 products from 35 lenders · Last checked 26 Sept 2026
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72 products from 35 lenders
Secured or unsecured business term loan from $10,000 with terms of 1 to 30 years, for long-term needs and business growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan from $10,000 over up to 7 years, applied for online through ANZ GoBiz using accounting software data, unsecured up to $200,000.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term, property-secured commercial business loan through brokers for growth, working capital, equipment, stock or debt consolidation, over 3 to 24 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured business loan of $300K to $7.5M through brokers, to invest in equipment or staff or free up capital held in assets.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term commercial loan of up to $7.5M through approved brokers, secured by a first or second mortgage, for terms up to 24 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan with terms up to 25 years, unsecured or secured with property or assets, to grow your business or help manage cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan priced off the Bank Bill Swap Bid rate (BBSY), with floating or fixed options, interest rate risk management and terms up to 25 years.
Why this appears
Final terms and eligibility depend on lender assessment.
Fixed rate business loan from $5,000 over 1 to 7 years for small business needs such as buying a vehicle.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business term loan from $10,000 over 1 to 30 years, to buy a business, grow or expand operations, with weekly to monthly repayments.
Why this appears
Final terms and eligibility depend on lender assessment.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term property-secured bridging loan for businesses to buy stock, invest in technology, upgrade property or act on investment opportunities.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $10,000 for eligible environmental projects on farms, written as a BetterBusiness Loan or Market Rate Loan.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan, unsecured up to $250,000 over up to 7 years, or secured by property from $10,000 over up to 30 years.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan for eligible green assets and projects such as renewable energy and electric vehicles, written as a BetterBusiness Loan or Market Rate Loan.
Why this appears
Final terms and eligibility depend on lender assessment.
Facility for medium to large businesses with an overall limit from $500,000, priced off BBSY with 1 to 6 month rollover periods.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan from $20K to $500K with fixed repayments.
Why this appears
Final terms and eligibility depend on lender assessment.
Property secured business term loan, interest only or principal and interest, with weekly, fortnightly or monthly repayments for cash flow, stock and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan for small to medium-sized enterprises for working capital, equipment, stock, expansion, marketing or cash flow gaps.
Why this appears
Final terms and eligibility depend on lender assessment.
Business-purpose loan generally secured against real estate by first or second mortgage, for working capital, expansion, equipment, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured fixed rate business loan of $20,000 to $50,000 over 1, 2 or 3 years, applied for online, for working capital, stock, equipment or ATO debts.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business loan of $20,000 to $5M for buying a business or franchise, commercial property, equipment and fit outs or cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Why this appears
Final terms and eligibility depend on lender assessment.
First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.
Why this appears
Final terms and eligibility depend on lender assessment.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan from $250K, arranged through a relationship banker, for growth or equipment, with fixed, variable or combined rate options.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan over up to 5 years for growth, acquisitions and refinancing, secured by goodwill, property, debtors, rent rolls or other assets.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan secured by residential or commercial property to buy commercial or investment property or expand a business, with terms up to 30 years.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan from $25,000 to $500,000 over up to 36 months for cash flow, ATO debt, expansion, acquisitions and equipment, secured or unsecured.
Why this appears
Final terms and eligibility depend on lender assessment.
Property secured business term loan from $100,000 to $2.5M on 1st or 2nd mortgages, for growth, refinance, acquisitions, stock and equipment.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan for amounts over $250,000 with terms from 30 days to 15 years and floating, fixed or capped rate options.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured or unsecured business term loan from $20,000 with fixed or variable rates, terms up to 30 years and flexible repayment options.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan of $5,000 to $250,000 at a fixed rate over 1 to 5 years, applied for online with no upfront or ongoing fees.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan up to $5M over 6 months to 3 years for existing Octet trade or invoice finance clients, for growth, equipment or refinance.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured short term business loan from $10,000 to $175,000 over 6 to 24 months with daily or weekly repayments, for cash flow, stock, equipment and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Larger unsecured short term business loan from $175,001 to $250,000 over 6 to 24 months for businesses trading 1+ year, assessed with bank statements and accountant prepared financials.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Short-term business loan of $300,000 to $5,000,000 over 6 to 36 months, secured by residential property, for purchases, cash flow or refinancing.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term business loan of $300,000 to $5,000,000 over 6 to 60 months, secured by commercial property, for property transactions, refinancing or cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term private business loan of $250K to $10M secured by a first registered mortgage, for terms of 1 to 24 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term business loan of $250K to $10M secured by a second mortgage behind your existing first mortgage, for 1 to 24 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term commercial loan of $500K or more for businesses, secured by a first or second mortgage over real property, with terms of 3 months or more.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $25K to $2M over up to 5 years for any business purpose, such as capital projects or expanding premises.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan for Square sellers from $100 to $250k, repaid from a fixed share of daily card sales within 18 months, offered by invitation.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured loan from $500,000 over 1 to 15 years for primary producers, for property purchases, off-farm investments, capital improvements or consolidating finance.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured term loan from $20,000 to $5 million over up to 30 years to support business expansion, capital purchases and more.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured term loan from $500,000 over 1 to 15 years for larger businesses, including specialised sectors such as management letting rights.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured loan to an owners corporation for building works, upgrades or remediation, from $250K to $10M over 2 to 15 years.
Why this appears
Final terms and eligibility depend on lender assessment.
Smaller unsecured strata loan from $50K to $250K for works, legal costs, insurance premiums or refinancing, paid in one lump sum.
Why this appears
Final terms and eligibility depend on lender assessment.
Strata project funding where some owners pay their share upfront and others repay through loan levies.
Why this appears
Final terms and eligibility depend on lender assessment.
Market-linked business loan from $250,000 over 30 days to 30 years for acquisitions, capital investment or refinancing, with variable or fixed rates.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business term loan from $10,000 with variable or fixed rates, for uses such as buying a business, capital investment, property or refinancing.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured fixed rate business loan of $5,000 to $250,000 over 1 to 5 years, with no monthly fees.
Why this appears
Final terms and eligibility depend on lender assessment.
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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 compare published criteria and discuss your circumstances before applying to several lenders.
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 review your circumstances and identify lenders that may be relevant.
