Every business loan, explained
Business finance for every need
Unsecured, line of credit, private mortgage, caveat, bridging, equipment, truck, invoice, trade finance and more. Find the loan that fits what you're actually trying to do, then see what's possible in about 60 seconds.
- No credit check to enquire
- Not sent to a crowd of lenders
- A real person calls you
- $20k – $5m
- Property-secured business loans
- $5k – $500k
- Unsecured and cash-flow options
- 47
- Loan types explained in full
- 60 sec
- Enquiry, no credit check
Why Every Business Loan
Finance explained properly, matched personally
Most loan sites want your details first and explanations never. We do it the other way round.
Every loan type, in plain English
How each product works, who it suits, what lenders check and how it compares with the alternatives.
No credit check to enquire
Asking what's possible leaves your credit file alone. Checks only come in if you decide to go ahead.
No spray and pray
Your enquiry isn't auctioned to a pile of lenders, so your phone won't start ringing with strangers.
A real person on your file
Someone reads what you need, thinks it through and calls you. Accurate answers mean the right match first time.
Secured and unsecured
Property-secured loans from $20k to $5m, and unsecured cash-flow options typically from $5k to $500k.
Credit issues and ATO debt
Past credit problems and tax debt are looked at case by case, not used as an automatic no.
Our loan library
The most-searched business loans
Start with the big six, or jump to the full library of 47 loan types below.
Unsecured business loans
Unsecured business loans explained: what unsecured really means, how lenders size them on turnover, the guarantee most owners miss, and when security wins.
How it works →
Business line of credit
How a business line of credit works in Australia: drawing and repaying, what you pay on unused limits, how it differs from an overdraft, and who it suits.
How it works →
Private & second mortgages
How a private second mortgage lets your business borrow against property equity without refinancing the home loan, plus how priority, costs and consent work.
How it works →
Caveat loans
Caveat loans explained: how a caveat on your title secures short-term business finance, when it beats a mortgage, what it costs and how to exit.
How it works →
Equipment finance
Equipment finance explained: how loans, leases and rentals for business gear work, what lenders check, the real costs and when another loan fits better.
How it works →
Invoice finance
Invoice finance explained: how lenders advance cash on unpaid invoices, factoring vs discounting, what it really costs, and when a loan is the better fit.
How it works →
Built for real businesses
The right loan depends on what you're actually paying for
A new coffee machine, a slow winter, a tax bill, a second truck, a bigger warehouse or a business you want to buy. Each one has a loan built for it, and using the wrong one costs you.
- Short gaps usually suit a line of credit, overdraft or short-term loan, not a five-year facility.
- Equipment and vehicles are usually cheaper to fund against the asset itself than with cash-flow lending.
- Slow-paying customers are a job for invoice or debtor finance rather than more debt.
- Big, urgent amounts are where property security does the heavy lifting, from $20k up to $5m.
Simple process
From question to options in three steps
- 01
Tell us what you need
A 60-second enquiry: what the business does, how much you need and what it's for. No credit check at this point.
- 02
A real person works it out
We look at your security, trading and purpose, then call you to fill in the gaps and talk through the loan types that fit.
- 03
You choose what happens next
Clear options and what each one needs. Only if you decide to go ahead do documents and credit checks come in.
By industry
Or start with your industry
Cafés, clinics, builders, farms, shops and dozens more: what each industry borrows for and how lenders read it.
Quick check
Secured or unsecured: which lane first?
Four taps. Your property, trading history, amount and banking habits decide which lending lane to explore first.
Property-secured loans run from $20k to $5m through first mortgages, second mortgages or caveat loans. Unsecured cash-flow options typically run from $5k to $500k, sized on turnover and bank statements.
Guides
Guides for business owners
Industry codes, benchmarks, licences, specialised equipment and the other things that shape a loan.
ANZSIC Codes and Business Loans: Why Your Label Matters
How lenders use your ANZSIC industry code when you apply for a business loan, why a mismatched label slows things down, and the 5-minute check to do first.
Read the guide → NumbersATO Small Business Benchmarks: What a Lender Sees
How the ATO's small business benchmarks work, what they reveal about your costs, and the one ratio to explain before a lender ever asks about it.
Read the guide → ComplianceLicences Lenders Check Before They Fund a Business
Which trade, health, liquor, excise and professional licences lenders look for before funding a business, why they matter, and how to have them ready.
Read the guide → SecuritySpecialised Equipment and Business Loans: Resale Value
Why lenders treat a ute, a brewery tank and a dental scanner so differently, how resale value affects security, and how to fund specialised equipment well.
Read the guide → Cash flowMedicare, NDIS, PBS and CCS Income: How Lenders See It
How lenders treat government-funded revenue from Medicare, the NDIS, the PBS, the Child Care Subsidy and aged care programs — and the timing gap it creates.
Read the guide → Tough timesBusiness Loan When Your Industry Is Doing It Tough
How lenders react when a whole industry is under pressure, which signs they watch, and how to show your business is stronger than the headlines.
Read the guide →Business loan questions, answered
What types of business loans are there in Australia?
The main families are cash-flow and working-capital finance (unsecured loans, short-term loans, lines of credit, overdrafts), property-secured loans (private, first and second mortgages, caveat and bridging loans), asset and equipment finance (vehicles, trucks, machinery, chattel mortgages and leases) and trade finance (invoice, debtor, import and stock finance). Every Business Loan explains 47 of them in plain English.
How much can I borrow?
Property-secured business loans run from $20,000 to $5,000,000 using first mortgages, second mortgages or caveat loans over residential or commercial property. For trading businesses without property to offer, unsecured, cash-flow and line-of-credit options typically run from $5,000 to $500,000, sized on turnover and bank statements.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes into it once you've talked through the options and decided to go ahead with an application.
Do you send my enquiry to lots of lenders?
No. We don't do spray-and-pray. A real person reads your enquiry, works out which kind of loan actually fits and talks to you first, so you won't be flooded with calls from lenders you've never heard of.
Can you help with bad credit or ATO debt?
Past credit issues and ATO debt are considered case by case. Tell us about them up front in the form. It helps us point you to an option that can actually say yes rather than one that will decline you.
Why don't you publish interest rates?
Because every business loan is priced on the business's own circumstances: the security, the trading history, the amount, the term and the purpose. A headline rate tells you very little about what you'd actually pay, so we talk through real options instead.
Is this for personal loans too?
No. Everything here is for business purposes: equipment, vehicles, stock, fit-outs, wages, buying a business, tax and other genuine business needs.
Ready to find the right business loan?
About 60 seconds. No credit check to enquire. Not shopped around to a crowd of lenders. A real person who works out which loan actually fits.
No credit check to enquire
Not sent to a crowd of lenders
A real person who gets your industry