Commercial finance

Business loans

Working capital, overdrafts, term loans and tax debt funding. We run a business ourselves, so we know what cash flow pressure feels like and how lenders read your numbers.

What we arrange

  • Term loans for expansion, fit-outs and buying a business
  • Overdrafts and lines of credit for working capital
  • Invoice and trade finance for businesses with long payment terms
  • Loans to pay ATO debts on a structured plan
  • Unsecured business loans from non-bank lenders when speed matters

Bank or non-bank

Banks give the lowest rates but usually want property security and a clean two-year history. Non-bank lenders approve faster and lend on cash flow, at a higher cost. We compare the true cost, including fees and how repayments fall due, so you can choose with the numbers in front of you.

When you need more than a loan

If the bank needs forecasts, a business plan or a credit paper before it will approve, our sister business Levelhead prepares them. Levelhead specialises in business finance and advisory, and works alongside us on larger business deals.

Common questions

Can I get a business loan without property security?

Yes. Many lenders offer unsecured loans based on turnover and bank statements. Rates are higher and amounts are usually smaller than secured loans.

How long does a business loan take?

Unsecured non-bank loans can fund within days. Bank loans secured by property usually take three to six weeks.

Get in touch

Talk to Nick

Tell us what you are trying to do. Nick will call you back, usually within a business day, and tell you plainly whether we can help.

We usually reply within one business day. Looking for a home loan? Go to thelendinglab.com.au.