Business loans
Whether you work solo or manage a large team, different loans work better depending on your size and structure. From flexible loans for smaller businesses to structured facilities for larger enterprises, we’ll help you figure out which one actually fits your business. No cookie-cutter solutions here.
Lenders generally look for steady revenue, a clean credit history, and a clear plan for how you’ll use the funds. We’ll help you figure out if you tick all the boxes before you even hit 'apply'.
We know business moves fast, so we focus on providing a clear answer without the usual bank delays. Instead of just listing options, we guide you toward the best decision for your situation to reduce uncertainty. We’ll walk you through each step of the process to keep your momentum going and get you an answer when it matters most.
Absolutely! Many loans can be used for more than one purpose. For example, you might use funds to buy equipment, cover short-term cash flow gaps, or fund a small expansion all with the same loan.
Bank loans usually offer lower interest rates but have stricter eligibility and longer approval times. Alternative lenders tend to be faster and more flexible, often helping newer or smaller businesses access funding, but they may come with slightly higher costs.
Here’s the rule of thumb: If you need cash tomorrow to seize an opportunity, go alternative. If you’re playing the long game and have the paperwork ready, a bank loan is your best bet for a lower rate.
Valiant is an award-winning online platform offering businesses a streamlined solution to accessing finance, with more than 200 products available. With your financial needs in mind, we leverage relationships we’ve built with the lenders on our panel to advocate for you at every step of the loan application process.
No hoops to jump through, just simple solutions so you can stay focused on your goals. Over the last 10 years, we've helped 30k businesses access over $3bn in funding—and counting.
Since we don't exclusively represent a single lender, we're able to offer a wide range of loan products from our partners and find our customers a tailored solution and competitive rate. These include:
- Business term loans
- Business lines of credit
- Invoice finance
- Trade finance
- Business car loans
- Equipment finance
- Lease agreements
- Secured term loans
- Business acquisition loans
- Merchant cash advances
We have over 90 lenders—both bank and boutique—on our panel, including ANZ, NAB, and Westpac and non-bank lenders like Moula, Ondeck, and Prospa. If you're not sure which lender is right for you, we can help. We'll provide you with customised quotes and solutions, tailored to your needs, so you can make an informed decision.
The amount you can borrow for a business loan will depend on several factors, such as your business's financial health, credit score, type of loan, and lender's criteria.
With Valiant, you can get funding in as little as 24 hours.
When applying for business finance with Valiant Finance, you'll experience a quick online application process that can be completed in minutes. Our advanced credit assessment technology compares options from 90+ lenders, allowing potential approval within a day. If you prefer to speak with a business lending expert, our team is available from Monday to Friday, 9am to 5pm (AEST) at 1300 336 027.
