Business loan broker.
Secured or unsecured, a line of credit, or a loan to buy a business. One application, and we compare 130+ lenders to find the one that will say yes.
How it works.
A business loan is money a business borrows for a business purpose and repays over an agreed term. It can be secured against property or business assets, or unsecured and assessed on how the business trades. The right loan depends on what the money is for and what the business can show. A bank usually wants two years of financials and often property as security. Many non-bank lenders will work from six to twelve months of bank statements instead. The rate gap between those two paths can be wide, so it pays to know which one you qualify for before you apply. We are a broker, not a lender. We look at your numbers first, tell you which lenders are likely to approve the deal, then run the application through to funding. You deal with the same person the whole way.
- Loan size
- $10K – $20M+
- Loan term
- 3 months – 15 years
- Security
- Secured or unsecured
- Lenders
- 130+ banks and non-banks
- Response
- Indicative quote in 24 hours
When this product fits.
01 / 03
Growth and expansion
A new site, more staff, more stock or a bigger contract that cash flow alone can't fund yet.
02 / 03
Buying a business
Funding the purchase of a business, with the loan split across goodwill, equipment and any property that comes with it.
03 / 03
Refinancing existing debt
Moving expensive or awkward loans into one facility with a better rate, or a repayment that fits how the business trades now.
Types of business loans we arrange
Most business owners ask for "a business loan" and need one of these. The right one depends on what the money is for and what you can offer as security.
| Loan type | Best for | Typical size | Security |
|---|---|---|---|
| Secured term loan | A large one-off spend, or refinancing | $100K – $20M+ | Property or business assets |
| Unsecured business loan | Fast working capital | $10K – $300K | None, usually a director guarantee |
| Line of credit | Cash flow that goes up and down | $20K – $5M | Secured or unsecured |
| Cashflow finance | A short gap before money comes in | $10K – $1M | Usually unsecured |
| Asset finance | Vehicles, trucks and machinery | $10K – $20M+ | The asset itself |
| Invoice finance | Customers who pay on 30 to 90 days | Up to $5M+ | Your unpaid invoices |
| Loan to buy a business | Buying a business or a partner's share | Deal by deal | Business assets, goodwill, property |
Ranges are typical across our panel, not a promise for any one business. Our guide to unsecured business loans covers borrowing without property security in more detail.
Business loan interest rates
Most of our business loan clients are funded by non-bank cashflow lenders, not the big four. Banks want two years of financials and usually property security, and most growing businesses can't tick both boxes. Cashflow lenders assess your bank statements instead and can fund in days. They cost more, so it helps to see real numbers before you apply.
Non-bank cashflow lenders on our panel
These ranges come from the current rate cards of the fintech cashflow lenders we use, dated April to September 2026. Your rate depends mostly on time in business, your credit score and whether a director owns property.
| Your business | Typical rate |
|---|---|
| Director owns property, 5+ years trading, strong credit | from 13.95% p.a. |
| Director owns property, 1+ year trading, credit score 550+ | 14.95% to 18.95% p.a. |
| No property, 5+ years trading, strong credit, $1M+ turnover | 15.5% to 17.5% p.a. |
| No property, 2+ years trading, fair to good credit | 18.95% to 29.5% p.a. |
| No property, 1 to 2 years trading | 21.95% to 39.5% p.a. |
| Credit score under 550 | 39.5% to 44.5% p.a. |
On top of the rate, expect an establishment fee of up to 2.5% of the loan or a documentation fee of around $495, depending on the lender. Loan sizes run from $10,000 to $1 million. Most of these lenders need at least 12 months of trading.
If you qualify for a bank
Bank rates are lower, but approval is harder and slower. Published starting rates, checked late September 2026:
| Lender or measure | Published rate | Source |
|---|---|---|
| Average new variable loan to a small business | 7.07% p.a. | RBA table F7, data to July 2026 |
| Lowest secured business loan listed | from 6.99% p.a. | money.com.au, 24 Sep 2026 |
| CBA BetterBusiness Loan, unsecured | from 12.84% p.a. | money.com.au, 24 Sep 2026 |
| NAB QuickBiz Loan, unsecured | 12.95% p.a. | money.com.au, 24 Sep 2026 |
The RBA lifted the cash rate to 4.60% on 29 September 2026, and CBA and Westpac raised many variable business rates by 0.25% from 9 October. None of these figures are quotes. Your rate is set by the lender after it assesses your application.
For the full breakdown, updated after each RBA meeting, see business loan interest rates in Australia.
The headline rate is only part of the cost. Fees, the term and early payout charges matter too. See the true cost of a business loan before you compare two offers.
What lenders ask for
It depends on the size of the loan and the lender. There are two broad paths.
Low-doc and unsecured loans (most non-bank lenders)
- Your ABN, and GST registration for most lenders
- Six to twelve months of business bank statements
- Driver's licence for each director
- How much you need and what it's for
Full-doc and bank loans
- Two years of financial statements and tax returns
- Recent BAS, and any ATO payment plan
- A list of current debts, and an assets and liabilities statement
- A valuation, if property is the security
Lenders read your bank statements closely. Our guide on how lenders read business bank statements shows what they look for. If you owe the ATO, read getting a business loan with ATO debt. Under 12 months of trading? Start with business loans for a new ABN.
How fast you can get the money
Speed depends mostly on the security and how complete your paperwork is on day one. Typical timeframes once we have your documents:
| Loan | Typical time to funds |
|---|---|
| Unsecured or cashflow loan | Same day to 3 business days |
| Asset finance | 3 to 7 business days after documents are signed |
| Secured bank term loan | 2 to 4 weeks |
| Loan secured by property | 4 to 8 weeks, mostly waiting on the valuation |
These are what we see across our panel, not a guarantee. The lender makes the final call on timing.
Business loans on the Gold Coast and in Brisbane
Our team is on the Gold Coast and works with business owners across South East Queensland and the rest of Australia. Most deals run by phone and email. We meet in person when that helps.
See our pages for commercial finance on the Gold Coast and commercial finance in Brisbane.
Why use a broker for a business loan
Every application you make goes on your credit file as an enquiry. Several declines in a row make the next lender more cautious. We check your numbers against lender policy before anything is submitted, so the application goes to a lender that is likely to approve it.
You also get the whole market in one conversation, not one bank's product list. That matters most when the deal is a little unusual: a young business, an ATO debt, a seasonal trade or a purchase the bank doesn't understand. Our guide on how commercial finance brokers get paid explains the fees and commissions.
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need. The documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement. Handled and tracked through to funds in the account.
Questions, answered.
It depends on what the business earns, what security it can offer and what the money is for. Unsecured lenders usually cap out at around $300,000. With property or other security, loans run into the millions. We give you a realistic range after a short look at your numbers.
Yes. Unsecured business loans are assessed on your trading history and bank statements rather than property. Most lenders still ask for a personal guarantee from the directors, and the rate is higher than a secured loan.
Sometimes. Most lenders want at least six to twelve months of trading. Some will lend to a newer business if there is property security, a strong deposit or a contract in place. We know which lenders consider new ABNs.
Each application is a credit enquiry, and several in a short time can count against you. We assess the deal before anything is submitted, so the application goes only to lenders that are likely to approve it.
A business loan gives you a lump sum that you repay over a set term. A line of credit is a limit you can draw on, repay and draw again, and you pay interest only on what you use. A loan suits one known cost. A line of credit suits cash flow that goes up and down.
Most growing businesses are funded by non-bank cashflow lenders, at roughly 14% to 30% p.a. for an established business, and up to around 45% p.a. for a newer one or a weaker credit file. Bank loans start around 7% p.a. secured, but they need full financials and usually property. We compare the panel and show you the full cost, not just the headline rate.
You might also need.
Let's structure your business loan.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.
Apply for business loan.
Three questions and your details. Our team calls you back. No call centre.
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