Business Loans
Compare loans for cash flow, stock, growth or a planned expense.
Who it is for
Process
We look at your revenue patterns, existing debts, and what you need the funding for.
Short-term working capital, term loan, invoice finance - we recommend the structure that suits your objective.
Different lenders have different appetites for different business types. We find the ones that fit your profile.
We handle the application, coordinate with the lender, and remain available for future reviews.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Working capital facility | Smoothing cash flow gaps between receivables and payables | Higher rates and shorter terms - not suitable for long-term funding |
| Term loan | Funding specific projects or purchases with predictable repayments | Less flexibility - early repayment may incur break costs |
| Invoice finance | Businesses with B2B customers and slow-paying invoices | Tied to your debtor book - requires disciplined invoice management |
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.
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.
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.
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.
It varies by facility type and lender. Simple working capital facilities can be approved within days, while larger term loans may take a few weeks. We'll give you a realistic timeline upfront.
