# The Business Loan Store

> The Business Loan Store is an Australian business-finance marketplace. It lists 92 business finance products from 18 Australian lenders across 16 finance types, with each product's published amounts, terms, security, rates (or "Quoted on application"), fees and eligibility, the source it came from and the date it was last checked (2026-09-24). Business owners can compare products themselves or submit their situation to be matched with lenders likely to approve and fund them. Key principle: getting a rate and getting approved and funded are two different things; credit history, cash in the bank, existing debts and security change outcomes even for businesses with identical turnover and equity.

## Finance types
- [Business Loans](https://businessloanstore.com.au/business-loans/): Secured, unsecured, short and long term loans for almost any business purpose.
- [Cashflow Loans](https://businessloanstore.com.au/cashflow-loans/): Short-term funding assessed on your trading performance rather than property.
- [Working Capital Finance](https://businessloanstore.com.au/working-capital/): Lines of credit, revolving facilities and overdrafts to smooth day-to-day cash flow.
- [Invoice Finance](https://businessloanstore.com.au/invoice-finance/): Unlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days.
- [Debtor Finance](https://businessloanstore.com.au/debtor-finance/): Whole-of-ledger facilities secured by your debtor book.
- [Factoring](https://businessloanstore.com.au/factoring/): Sell or assign invoices to a provider that advances funds and manages collections.
- [Trade Finance](https://businessloanstore.com.au/trade-finance/): Pay overseas and local suppliers now and repay once goods are sold.
- [Stock & Inventory Finance](https://businessloanstore.com.au/stock-inventory-finance/): Fund bulk orders, seasonal stock and inventory without stretching cash flow.
- [Equipment & Asset Finance](https://businessloanstore.com.au/equipment-finance/): Machinery, tools, technology and business assets funded against the asset itself.
- [Vehicle & Fleet Finance](https://businessloanstore.com.au/vehicle-fleet-finance/): Cars, utes, vans, trucks and fleets for business use.
- [Business Acquisition Finance](https://businessloanstore.com.au/business-acquisition-finance/): Buy an existing business, franchise or a partner's share.
- [Commercial Property Finance](https://businessloanstore.com.au/commercial-property-finance/): Buy, build or refinance commercial, industrial and retail property.
- [Refinance & Debt Consolidation](https://businessloanstore.com.au/refinance/): Replace or combine existing business debts into a better structure.
- [Tax & ATO Finance](https://businessloanstore.com.au/tax-ato-finance/): Pay ATO debt, BAS and tax bills and get back in good standing.
- [Non-Cashflow / Asset-Backed Finance](https://businessloanstore.com.au/non-cashflow-finance/): Lending assessed on property or asset security rather than trading figures.
- [Specialist & Private Finance](https://businessloanstore.com.au/specialist-private-finance/): Bridging, caveat, private credit and complex situations.

## Business loans by type
- [Unsecured business loans](https://businessloanstore.com.au/business-loans/unsecured/): Compare unsecured business loans from Australian lenders. See amounts, terms, repayments and trading requirements, with no property security needed.
- [Secured business loans](https://businessloanstore.com.au/business-loans/secured/): Compare secured and property-secured business loans. Higher limits, longer terms and sharper pricing from Australian banks, non-banks and private lenders.
- [Low-doc business loans](https://businessloanstore.com.au/business-loans/low-doc/): Compare low-doc business and commercial loans for self-employed borrowers. Borrow using BAS, bank statements or an accountant's letter instead of full financials.
- [Fast business loans](https://businessloanstore.com.au/business-loans/fast/): Compare fast business loans from Australian lenders that publish same-day, next-day or 24 to 48 hour funding times. See amounts, terms and eligibility.
- [Business loans for new businesses](https://businessloanstore.com.au/business-loans/new-business/): Compare business loans from lenders that publish a minimum trading history of six months or less. Options for newer Australian businesses.
- [Business lines of credit](https://businessloanstore.com.au/business-loans/line-of-credit/): Compare business lines of credit, overdrafts and revolving facilities from Australian lenders. Draw, repay and redraw up to your limit.
- [Caveat and bridging loans](https://businessloanstore.com.au/business-loans/caveat-and-bridging/): Compare caveat loans, second mortgages and business bridging finance for time-critical funding secured by property.
- [Business loans with bad credit](https://businessloanstore.com.au/business-loans/bad-credit/): Can you get a business loan with bad credit in Australia? How defaults and missed payments affect approval, which types of finance focus on security instead, and how to apply where you fit.

## Lenders
- [Banjo Loans](https://businessloanstore.com.au/lenders/banjo-loans/): 6 products
- [Bizcap](https://businessloanstore.com.au/lenders/bizcap/): 6 products
- [Bluestone](https://businessloanstore.com.au/lenders/bluestone/): 2 products
- [Capify](https://businessloanstore.com.au/lenders/capify/): 3 products
- [Dynamoney](https://businessloanstore.com.au/lenders/dynamoney/): 5 products
- [Earlypay](https://businessloanstore.com.au/lenders/earlypay/): 4 products
- [HomeSec Business Finance](https://businessloanstore.com.au/lenders/homesec-business-finance/): 4 products
- [Judo Bank](https://businessloanstore.com.au/lenders/judo-bank/): 6 products
- [Liberty Financial](https://businessloanstore.com.au/lenders/liberty-financial/): 10 products
- [Lumi](https://businessloanstore.com.au/lenders/lumi/): 2 products
- [Metro Finance](https://businessloanstore.com.au/lenders/metro-finance/): 3 products
- [Moula](https://businessloanstore.com.au/lenders/moula/): 1 products
- [Octet](https://businessloanstore.com.au/lenders/octet/): 3 products
- [Pepper Money](https://businessloanstore.com.au/lenders/pepper-money/): 4 products
- [Prospa](https://businessloanstore.com.au/lenders/prospa/): 3 products
- [ScotPac](https://businessloanstore.com.au/lenders/scotpac/): 6 products
- [Shift](https://businessloanstore.com.au/lenders/shift/): 5 products
- [Thinktank](https://businessloanstore.com.au/lenders/thinktank/): 19 products

## Guides
- [Rate vs approval: why two identical businesses get different loan outcomes](https://businessloanstore.com.au/learn/rate-vs-approval/): Getting a rate and getting funded are two different things. Learn why lenders price and approve similar businesses differently, and how to find finance you will actually get.
- [Business line of credit vs term loan: which should you choose?](https://businessloanstore.com.au/learn/line-of-credit-vs-term-loan/): Compare a business line of credit with a term loan: how each works, costs, repayments and which suits recurring versus one-off funding needs.
- [Business loan documents checklist](https://businessloanstore.com.au/learn/business-loan-documents-checklist/): The documents Australian lenders usually ask for with a business loan application, from ID and bank statements to financials, ATO statements and security details.
- [Caveat loans and bridging finance for business: how they work](https://businessloanstore.com.au/learn/caveat-and-bridging-loans/): What caveat loans, second mortgages and bridging loans are, when businesses use them, what they cost and why the exit strategy matters most.
- [Chattel mortgage vs finance lease: equipment and vehicle finance explained](https://businessloanstore.com.au/learn/chattel-mortgage-vs-finance-lease/): Compare chattel mortgages and finance leases for business equipment and vehicles: ownership, balloons, GST and what to ask your accountant.
- [How lenders assess a business loan application in Australia](https://businessloanstore.com.au/learn/how-lenders-assess-business-loans/): What Australian business lenders look at before approving a loan: trading history, bank statements, credit files, ATO position, security and purpose.
- [Invoice finance vs debtor finance vs factoring: what is the difference?](https://businessloanstore.com.au/learn/invoice-finance-vs-debtor-finance-vs-factoring/): A plain-English comparison of invoice finance, invoice discounting, debtor finance and factoring for Australian B2B businesses.
- [Low-doc business loans explained](https://businessloanstore.com.au/learn/low-doc-business-loans/): What low-doc business loans are, who they suit, what lenders accept instead of full financials, and the trade-offs to weigh.
- [Secured vs unsecured business loans: how they differ and which suits you](https://businessloanstore.com.au/learn/secured-vs-unsecured-business-loans/): Understand the difference between secured and unsecured business loans in Australia, including limits, cost, speed and what lenders ask for.
- [Using business finance to pay ATO debt: what to know in 2026](https://businessloanstore.com.au/learn/ato-debt-finance/): How Australian businesses use finance to clear ATO debt, why the loss of GIC deductibility from 1 July 2025 matters, and what lenders look for.

## Tools and methodology
- [Compare all products](https://businessloanstore.com.au/compare/)
- [Business loan repayment calculator](https://businessloanstore.com.au/calculators/business-loan-repayment/)
- [How we compare](https://businessloanstore.com.au/how-we-compare/): data sources, freshness, ordering and how the site is paid
- [Disclosures](https://businessloanstore.com.au/disclosures/)