Careful preparation is the key to finding the right financial product for your small business.
Whether you’re managing growing pains, planning your next big move, or just trying to make cash flow easier, the right loan can be a game-changer. This practical guide breaks down the full lending landscape. We created it to help small business owners compare finance options, understand eligibility, and confidently apply for the funding that fits. This guide cuts through the noise to give you clear, actionable advice on choosing the best loan structure for your goals.
If you’re starting a business in Australia—or even freelancing on the side—you’ve probably heard of an ABN. But, what is it?
If you can't find your answer in the FAQ, just reach out to one of our specialists.
Whether you need asset finance or a line of credit. Find the right funding options for your business.
A merchant cash advance gives your business quick access to capital, with repayments tied to your daily sales. You pay more when business is going well, and less when it’s not.
✔️ Borrow up to $150,000
✔️ Get funded within 24-48 hours
✔️ Flexible repayments
Business term loans let you borrow often without using assets as security, with approval based on your business’s finances and credit profile.
✔️ Borrow up to $500,000
✔️ Get funded within 24 hours
✔️ Collateral often not required
✔️ Clear repayment terms
A line of credit lets you access funds as needed. As you make repayments, your available balance goes back up, ready for future use.
✔️ Borrow up to $1,000,000
✔️ Flexible access to funds
✔️ Unsecured options available
Invoice finance helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral.
✔️ Get up to 90% of your invoice value within 24 hours
✔️ No ongoing repayments
Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest.
✔️ Higher borrowing limits
✔️ Suitable for both international and local transactions
A business car loan is a way to purchase a vehicle for your business while spreading the cost out over time.
✔️ Lower interest rates
✔️ Eligible for tax benefits
✔️ Existing debt doesn't usually affect approval
Equipment finance lets your business access the tools it needs now, while spreading the cost over manageable repayments.
✔️ Own the asset once you repay the loan
Equipment leasing lets your business use equipment, vehicles, or machinery without buying it upfront.
✔️ Predictable repayments
✔️ No large upfront costs
✔️ Flexible end-of-term options
A secured business loan is a type of financing where you use an asset, normally property, as collateral.
✔️ Borrow up to $1,000,000+
✔️ Longer repayment terms
A business acquisition loan lets you purchase a franchise or existing business, giving you access to existing customer relationships and revenue streams.
✔️ Finance both purchase and setup costs
✔️ Flexible repayment terms