Many lenders want two years of trading, which leaves newer businesses with fewer options. Some online and specialist lenders publish lower minimums, from around six months.
10 products from 6 lenders ยท Last checked 23 Sept 2026
Not sure which lender will say yes?
Tell us about your business and we will match you with lenders likely to approve and fund it.
Products whose published minimum trading history is six months or less.
10 products from 6 lenders
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.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
No listed products match all of those filters.
Try removing a filter, or tell us about your situation and we will look across our lender network for you, including lenders not listed here.
The products below are ones where the lender publishes a minimum trading history of six months or less. Property security can also help newer businesses, so it is worth telling us about any property you own.
With a short history, lenders lean heavily on recent account conduct and turnover.
Initial limits are often modest and can grow with a good repayment record.
Property-secured lenders focus on the security and exit, which can suit businesses with limited history.
It is harder but possible. Some lenders fund businesses from around six months trading, and property security widens the options.
ABN age, recent bank statements, turnover, the directors' credit history and any security offered.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.