Business Loans

Business funding without a month of paperwork.

Sometimes the opportunity has a deadline and the bank has a queue. We work a panel of business lenders who assess on trading performance rather than on how long the file has been sitting on someone's desk.

Secured and unsecured Assessed on trading, not just security No broker fees

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What might it cost per month?

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Loan amount $35,000

$10,000 $500,000

Loan term

Estimated repayment

$620–$710

per month, over 5 years

An estimate only, not a quote or an offer of credit. Assumes a rate between 9.95% and 24.95% p.a. with no fees, deposit or balloon payment. Your actual rate depends on your trading history, the security offered and the lender. Some business facilities are quoted as a factor rate or a weekly repayment rather than an annual rate.

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Get your real numbers

Four details and we’ll come back with lender options. No credit check at this stage.

Business Loans · $100,000

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What It Funds

Funding that matches the reason you need it

A stock purchase, a fit-out and a tax bill are three different products. Matching the facility to the purpose is most of what makes it affordable.

Working capital

Covering the gap between invoice and payment

Stock & inventory

Seasonal buys and bulk orders

Fit-out & expansion

New premises or a second site

Hiring & payroll

Funding a team ahead of the revenue

Tax & ATO obligations

Including structured ATO arrangements

Marketing pushes

Campaigns with a measurable payback

Buying a business

Acquisitions and partner buy-outs

Debt consolidation

Replacing several expensive facilities

How It Works

Three steps, and we do most of them

No forms to chase, no lender queues to sit in. You answer some questions once and we take it from there.

Tell us the basics

Four short steps online — what you’re buying, roughly what it costs and a little about you. About two minutes, and no credit check at this stage.

We match the lender

We put your profile against 30+ lenders and pick the ones whose credit policy actually fits it, so the application goes in where it has the best chance.

Approval and settlement

Most approvals land within 24–48 hours. We handle the paperwork with the lender, confirm the terms with you in writing, and the funds go to your business account.

Why Through Us

What a broker changes

Anyone can fill in a lender’s online form. The value is in knowing which lender to approach before you do.

Speed is the actual product

Business lending is priced above secured asset finance because it moves faster and asks for less security. If the opportunity is worth more than the difference, that trade makes sense — and if it isn't, we'll say so.

Secured costs less, when there's time

Property or asset security brings the rate down substantially. Where you have it and the timeline allows, we'll push you that way even though the unsecured deal would settle sooner.

Read the total cost, not the rate

Short-term business facilities are quoted in a dozen different ways — factor rates, weekly repayments, fees folded into the principal. We convert offers to the same basis so you can see which is genuinely cheaper.

A real assessment of serviceability

Taking funding a business can't service helps nobody. If the repayments don't fit what your statements show, we'll tell you that before an application goes anywhere near a lender.

Before You Apply

What you’ll need on hand

Nothing is needed to start — this is what the lender will ask for once we’ve matched you to one.

Sole trader or partnership

ABN, ideally registered 12+ months
Driver licence
Six to twelve months of business bank statements
A clear purpose and amount

Company or trust

ABN and ACN, plus GST registration
Director ID and licence
Recent BAS lodgements
Financials, for larger or secured facilities

Missing something on this list isn’t a dead end. Low-doc options exist for most of these gaps — it changes which lender we approach, not whether the deal can be done. Send us the scenario and we’ll tell you straight.

Questions

Business Loans, answered

How much can my business borrow?

Unsecured facilities are commonly sized against monthly turnover — often somewhere around one month's revenue, more with a strong trading history. Secured lending is sized against the security instead and goes considerably further.

Do I need to put up my house?

Not for unsecured facilities. You will normally sign a director's guarantee, which is a personal promise to repay rather than a mortgage over your home, and it's worth understanding the difference properly before you sign.

How fast is fast?

Straightforward unsecured deals are frequently approved within 24 to 48 hours and funded shortly after, because assessment runs off bank statement data. Secured facilities take longer — there's a valuation and a security process behind them.

Why is the rate higher than an equipment loan?

Because there's no machine behind it. A secured asset loan gives the lender something to recover; an unsecured business loan gives it your trading history and a guarantee. The price difference is that risk, and it's why we check whether a secured option would suit you first.

Can you help with ATO debt?

Sometimes. Several lenders will refinance ATO arrears where the business is trading well and a payment arrangement is in place or achievable. Reported tax debt does affect your credit position, so it's better dealt with early than late.

Do you charge a fee?

No broker fee on standard facilities. We're paid by the lender that writes it, and where a lender's own establishment fee applies you'll see it in writing before you sign anything.

Find out what the business can borrow

Four short steps, about two minutes, and no credit check at this stage. You'll hear back from a real broker — not an auto-responder.

Get My Options Call 1300 265 743

Asset Now Pty Ltd (ABN 79 701 680 499) is a credit representative of National Finance Choice Pty Ltd (ABN 95 156 544 464), Australian Credit Licence 423002. Information on this page is general only and does not take your objectives, financial situation or needs into account. It is not an offer of credit or a credit quote. All applications are subject to lender assessment, verification of supporting documents and the lender’s credit criteria.