How much can my business borrow?
It depends on your revenue, existing debts, and the purpose of the loan. We assess your actual cash flow capacity rather than using generic formulas.
What's the difference between working capital and a term loan?
Working capital is a revolving facility you draw on as needed - it's designed for ongoing cash flow management. A term loan is a fixed amount repaid over a set period, better suited to specific purchases or projects.
Can I get a business loan if I'm self-employed?
Yes. We work with lenders who understand self-employed income and can assess your application using tax returns and business financials rather than standard employment documentation.
Can I get business funding without full financials?
Sometimes. Some lenders may consider BAS, business bank statements, accountant-prepared figures, trading history, or asset security, but the pathway depends on funding purpose, turnover, conduct, and lender policy.