Discover the right business loan in Australia. Compare options and get the funding your business actually needs.
Your business does not have to fit a category to be funded. If yours is not listed, it is still worth asking.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
Put your best foot forward by preparing strong answers to 9 questions a lender might ask you.
B2B embedded finance isn’t just a tech upgrade; it’s a strategic lever to boost acquisition, conversion, and retention.
Your existing clients aren’t just customers; they’re a source of potential growth.
Industry finance
Sole trader loans
Cover the gap when a client’s slow to pay, so you’re not dipping into your personal savings.
Common USEs
Where sole traders use finance
Professional development
Grow your skill set and your business with the capital you need for courses and certifications.
New equipment
When it’s time for an upgrade, financing helps you buy (or lease) the tools you need to work efficiently, so the cost doesn’t land all at once.
Inventory management
Peak seasons mean stocking up on inventory before the orders arrive, and finance covers the cost until they do.
Subcontractor payments
An extra pair of hands gets you through 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
Add new products to your collection or hire additional staff, with finance to cover the setup until the extra income comes through.
Marketing
Get your name out there with online ads or a listing in local directories, and the funding to back it up.
Compare your options
Four ways to fund your solo business
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Getting started
How to apply for a sole trader business loan
Step 1
Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2
Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3
Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
Our panel
Bringing you Australia's best business lenders
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
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FAQs
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.
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.
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 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.
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.
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.