Professional development
Grow your skill set (and your business) with the capital you need for courses and certifications.
Business finance for sole traders
Few things are more fulfilling than being your own boss, but launching a business solo isn’t always a breeze. Be it cash flow, development and training, or inventory management, we help make sure you have the resources to scale your business effectively.
Requesting a quote has no impact on your Credit Score.
Common financing needs for sole traders
Whether you're just starting out or expanding into new markets, the right loan can help you access the capital to drive your business forward.
New equipment
Time for an upgrade? Financing helps you buy (or lease) whatever tools you need to work efficiently—without the hefty upfront cost.
Inventory management
Own a product-based business? Obtain capital to stock up on inventory, especially ahead of peak seasons.
Subcontractor payments
If you rely on an extra pair of hands to handle busier periods, keep them happy with timely payments.
Vehicle financing
Whether it’s for deliveries or business travel, a loan can help you purchase a car while spreading the cost out over time.
Expansion
Adding new products to your collection or hiring additional staff? Financing helps fuel your growth.
Marketing
Get your name out there—through billboards, TV campaigns, online ads, or all of the above—with the funding to back it up.
Finance solutions built for sole traders
Business line of credit
Access funds as needed to manage cash flow gaps and cover day-to-day operational expenses.
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Invoice finance
Get cash upfront for your receivables rather than having to wait for customer payments.
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Equipment finance
Secure capital to purchase essential equipment for your business, whatever products or services you offer.
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Business car loan
Obtain funding to buy a vehicle for your business, and own it from day one without having to spend thousands of dollars at once.
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Requesting a quote has no impact on your Credit Score.
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How to apply for a sole trader business loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
Why choose Valiant
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
Are business overdrafts a good idea for sole traders?
Business overdrafts can be a great solution for sole traders, especially those who have just started their business. This type of financing lets you withdraw funds even after your account balance has reached zero.
Can I use a personal loan as a sole trader?
Technically you can, but chances are that a personal loan isn’t the most suitable option for your business goals. With tailored business financing, you can obtain funds designed for your company’s needs, while keeping your personal and business finances separate.
How can I apply for a sole trader business loan?
If you're considering a small business loan, we can help. Fill out our quick form, and our lending experts will then get in contact to confirm your details and find the right funding solution for your needs.
What documents do I need to apply for a sole trader loan?
Different lenders require different documentation, but at the very least, you can expect to provide business registration details, financial, tax and cash flow statements, and balance sheets.
How long does it take for sole traders to get finance?
With Valiant, you can get a sole trader business loan in as little as 24 hours.
Can I get sole trader finance with bad credit?
It’s not impossible, but lenders do prefer borrowers with a history of successfully repaid loans, so it’s important that you pay debts on time and manage your credit usage. If you have a poor credit score, check if any information on your record needs correcting or could be fixed. If you have current debts, try to drive those down before you apply for a sole trader loan.
Hear from our clients
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Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
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