Business Loans
Compare loans for working capital, stock, growth or a planned business expense.
NewGen Finance Brokers helps Sydney business owners compare business loans for working capital, cash flow, term funding, invoice finance and trade finance. We check how the funding purpose, repayment structure, trading history and documents fit current lender policy before an application is lodged.
General information only. Any loan is subject to lender assessment and approval.
Who it is for
What happens next
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 | Pricing, fees and term length vary by facility and lender; short-term funding can create repayment pressure if used for a long-term need |
| 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 |
The best business finance broker is one that compares banks and non-bank lenders, explains how they are paid, and matches the facility type to your cash flow instead of pushing one product. NewGen checks trading history, security and lender policy for Sydney businesses before any application goes in.
Yes. NewGen Finance Brokers helps Sydney business owners compare business loan and finance options for working capital, cash flow, equipment, growth, invoice finance and trade finance. The suitable pathway depends on the funding purpose, business history, documents and current lender policy.
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.
Timing varies by facility, lender, deal size and document quality. We can explain the current lender process once we understand the funding need and have the required information.
Most lenders want an active ABN, a minimum trading history (often 6 to 24 months), business bank statements, and evidence of turnover and the ability to repay. Larger or secured loans may need financial statements, tax returns and property or asset security. Directors' credit history is also checked. Requirements vary a lot between banks and non-bank lenders.
It's harder, but possible. Most unsecured business lenders want at least 6 to 12 months of trading. Startups usually rely on property-secured lending, equipment finance where the asset is the security, or a personal loan. A clear business plan, a deposit and industry experience help. We can check which pathways fit your stage.
Sometimes. Some non-bank lenders focus more on business cash flow than on credit scores, but the rate and fees are usually higher, and recent defaults or unpaid tax debts make approval harder. No lender should promise instant approval with bad credit, because the lender still has to assess the application. We check lender policy before applying.
Generally no, unless the loan is secured. Lenders need to see how the loan will be repaid, which usually means business turnover. Without trading history, the realistic options are usually property-secured lending, equipment finance for a specific asset, or funding the business personally.
It depends mainly on your turnover, trading history and cash flow. Unsecured business loans are generally sized as a proportion of monthly or annual revenue, and lenders cap them lower than secured loans. Adding property or asset security usually increases the amount and lowers the rate.
It depends on what you're paying for. A term loan suits one-off costs such as a fit-out or acquisition. A line of credit or overdraft suits cash flow ups and downs, because you only pay interest on what you use. A business credit card suits small, regular expenses you can clear each month. Many businesses use a combination.
Home equity usually gives a lower rate and longer term, but it puts your home at risk if the business struggles, and the debt can take much longer to clear. A business loan keeps the debt separate but usually costs more. Tax treatment also differs, so talk to your accountant. We can compare both before you decide.
Usually a residential investment property is funded with an investment home loan, even if it's bought in a company or trust name. Commercial property, such as a warehouse or office, is funded with a commercial loan. The structure affects tax, lending options and costs, so speak with your accountant before choosing the buying entity.
