HOME
FAQ
Small Business Loans

Small Business Loans

Common questions about securing finance for small businesses.
What types of small business loans are available?

Valiant works with over 90 bank and non-bank lenders. Since we don't exclusively represent a single lender, we're able to offer a wider range of loan products from our partners and find our customers a tailored solution and competitive rate.

We currently offer:

  • Invoice finance – Leverage unpaid invoices by passing debt onto your lender.
  • Business line of credit – An amount of money your business can withdraw at any time—similar in some ways to a business overdraft, but not attached to a bank account.
  • Equipment finance – Allows you to access the tools you need now, while spreading the cost over manageable repayments.
  • Business term loans – Let you borrow often without using assets as security, with approval based on your business’s finances and credit profile.
  • Secured term loans – Loans that require an asset on the part of the lender as a guarantee.
  • Lease agreement – Lets your business use equipment, vehicles, or machinery without buying it upfront.
  • Business car loan – A way to purchase a vehicle for your business while spreading the cost out over time.
  • Trade finance - Helps you cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest.
  • Merchant cash advance - Gives your business quick access to capital, with repayments tied to your daily sales.
What documents do I need to apply for a small business loan?

Typically, you'll need the following documents:

  • Proof of identity (driver’s license, passport)
  • ABN details
  • Recent bank statements (6-12 months)
  • Tax returns or financial statements

Some lenders may require additional documentation, depending on the loan amount and type.

How can Valiant Finance help me get funding for my small business?

At Valiant Finance, we specialise in connecting small businesses with the right funding solutions. Whether you need to cover cash flow, purchase equipment, or expand operations, we help you access tailored small business financing from over 85 trusted lenders.

Why choose Valiant for small business funding in Australia?

We’ve helped over 20,000 businesses access more than $2.5 billion in funding. With over 3000 5-star reviews and access to 200+ loan products, we offer unmatched support, speed, and personalised guidance for small business financing.

How fast can I access funding for my small business?

You could receive approval and funding in as little as 24 hours, depending on the lender and product. Our streamlined process ensures fast decisions and minimal paperwork.