Comparing Small Business Loan Types

Whether you need asset finance or a line of credit.
Find the right funding options for your business.

What's your loan purpose?

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Working capital

Merchant Cash Advance

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

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

Business Line of Credit

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

Invoice finance helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral.

✔️ Borrow up to $1,000,000

✔️ Get up to 90% of your invoice value within 24 hours

✔️ Collateral often not required

✔️ No ongoing repayments

Trade Finance

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

Asset Finance

Business Car Loan

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

Equipment finance lets your business access the tools it needs now, while spreading the cost over manageable repayments.

✔️ Lower interest rates

✔️ Eligible for tax benefits

✔️ Own the asset once you repay the loan

Business Equipment Leasing

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

Secured Term Loan

A secured business loan is a type of financing where you use an asset, normally property, as collateral.

✔️ Borrow up to $1,000,000+

✔️ Lower interest rates

✔️ Longer repayment terms

Commercial Property

Business Acquisition Loan

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

Renovate premises
Buy stock or inventory
Pay suppliers or invoices
Hire staff
Grow your business
Manage cash flow
Cover short-term expenses
Buy another business
Buy a business vehicle
Buy equipment
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