Business & Commercial Lending

Ready to take your business to the next level?

With access to a panel of over 30 lenders, our clients benefit from our ability to provide not only low rates, but to move quickly while keeping you abreast of changes and new opportunities.

Curious about your credit score?

We can help you find out where you stand.

Need affordable finance?

See how much we may be able to save you.

How much could you borrow?

Find out how much you may be able to borrow.

How do business loans work?

A flexible loan to suit you and your business' needs.


Businesses can be loaned either a lump-sum payment or a revolving line of credit, which is repaid, with interest, over an agreed term (generally anywhere from 3 months to 5 years).

Business loans come as either secured or unsecured loans and allow businesses to borrow from $5,000 to $1,000,000, though some lenders do not have limits on their borrowing amounts.


Most business loans come with a fixed interest rate and you will need to make repayments on a daily, weekly or monthly basis.

Warehouse Workers

Secured vs. Unsecured Business Loans

Secured business loan 

You will need to use an asset, generally a residential or commercial property, as collateral or security against the loan. In return, you will generally receive a lower interest rate, have the ability to borrow a larger amount and are more likely to be approved by the lender. Some lenders do not have a limit on the funds that you can borrow with a secured business loan. The amount that you qualify for will instead be determined by your asset value and repayment ability.

Unsecured business loan 

You do not need to use an asset as security on an unsecured loan. As an unsecured loan represents an increased risk to the lender and, therefore, usually comes with a higher interest rate and tighter lending rules.  Unsecured loans can be beneficial for business owners who do not own an asset of value or would prefer not to risk their personal or company property.

Is your business eligible for a loan?

Lenders will consider a range of criteria, including:


Age of the business

You'll usually need to have been operating for at least 6 months to a year for most unsecured business loans offered by alternative lenders and banks. Some do, however, offer unsecured start-up finance. Invoice factoring and equipment loans have less stringent criteria on business age, but you'll need to have been operating for at least one year for business overdrafts or lines of credit.




Your business may need to be making a certain amount of turnover in order to be eligible for a loan. Revenue requirements may be stipulated monthly or annually and can range from $50,000 to $200,000+ p.a. Other lenders simply require you to connect your business accounting software or financials as part of the application process so they can calculate an affordable loan amount based on your cash flow and overall financial position.



Credit profile

The lender may check the personal credit histories along with the company's credit (unless you're a startup). If the business has unpaid defaults or tax debt, you may need to find a bad credit business loan. However, most invoice financing companies do not require perfect credit histories.



You'll need an Australian Business Number (ABN) or Australian Company Number (ACN) to qualify for any form of business finance.

If you’re starting or expanding your business you may need to obtain finance.

Carefully consider the type of finance as it could affect your tax obligations and cash flow.

Before sourcing finance:

  • determine how much finance you will need

  • develop a sound business plan

  • consider the timeframe you will need to repay the loan

  • determine your ability to repay the loan

Commercial Property Finance

We recognise that each of our clients' commercial property finance needs is different.

Our aim is simple: To provide you with the most effective financial solution for your commercial property requirement. This means securing you the best price with the best terms, while freeing you up to concentrate on what you do best - your own business.

Unlike standard residential home loans, the pricing and lending policies for commercial property loans are rarely set in stone and many of the terms can be negotiated. 

Loans for Specialised Securities

We also provide commercial property finance for specialised securities, such as:

Pubs and hotels

Freehold, leasehold, owner occupied and managed hotels


Kindergartens, childcare and recreation centres

Rural properties

Farms, some niche horticultural operations, dairy ​and more

Petrol stations

Convenience stores, delis, bakeries, cafes etc.

Aged care facilities

Including therapy service centres.

​​Many other specialised securities for which commercial property finance is required.

Let's Talk

Call (02) 8313 8400 to talk with a loan specialist or email us at