Wealth building
Build long-term wealth with strategies for investing, saving and managing your cash flow.
Asset or equipment finance
Vehicles for business
Business equipment of all types
BUSINESS Loans
An important principle in business is that cash is king
Maximising every dollar counts, and making debt work for you is the key. It is also important to understand the difference between good debt and bad debt. We can tailor a lending solution for your business to maximise cash flow and help grow your business.
Tailored business finance and lending
Small business loans
We can assist you in securing financing for a new business venture. Having a specialist assist in the process can be especially helpful if your business happens to find itself in one of the following situations:
•New business with no cash flow history
•Bad credit
•High inventory costs and low turnover issues
•Cash outflows for staff wages not in line with cash inflows
•Developing property
Other types of business finance
We can also assist in securing:
Motor vehicle leasing arrangements
•Fleet vehicles for business or personal needs
Lines of credit
•Enabling cash flow for times of short-term equity issues, such as employee wages or paying suppliers
Self-Managed Super Fund loans
Self-managed super funds may be able to borrow money for particular types of investments, such as:
•Investment properties
•Commercial premises
•Geared managed or direct share investment platforms
•Loans via a family trust set-up
Frequently asked questions
What can a business loan be used for?
A business loan can support almost any operational or growth-focused need, including improving cash flow, purchasing equipment or vehicles, expanding premises, hiring staff, buying stock, or funding marketing. The key is matching the loan structure to the purpose.
How much can my business borrow?
Borrowing capacity for a business is determined by income, trading history, cash flow, existing debts, and overall financial performance. Lenders also consider the loan's purpose, how long the business has been operating, and whether security is available. Together, these factors shape what your business can comfortably support in repayments.
Do I need to provide security for a business loan?
It depends on the loan type. Some business loans are secured against assets such as property or equipment; others are unsecured and assessed on business performance and credit strength. Understanding which structure suits your situation is part of finding the right lending solution.
Can a new or small business get a loan in Australia?
Yes, although the options and criteria vary. Lenders may require stronger financial documentation or a clear business plan from newer businesses, but access to finance is possible even at an early stage.
What documents do I need to apply for a business loan?
Typically: recent financial statements, BAS statements, bank statements, and business and personal tax returns. Lenders will also want details on your business structure, trading history, and the loan's purpose. Clear, up-to-date documentation is the single biggest factor in getting your application processed efficiently.
What's the difference between secured and unsecured business loans?
A secured business loan is backed by an asset, such as property, equipment, or vehicles, and typically offers lower interest rates, higher borrowing limits, and longer repayment terms. An unsecured loan requires no collateral and is assessed on financial performance and credit strength. It can be faster to access, but generally comes with higher rates, lower limits, and stricter criteria. The right choice depends on what you need the funds for and what you're able to offer as security.
Enquire today to see how we can help.