Business Finance
Finance that keeps your business moving.
From utes and machinery to working capital and acquisitions — we compare 80+ banks and non-bank lenders and structure the deal around your business. Pick what you need:
How business finance works through a broker.
Business lending splits into two worlds: asset finance — where the ute, truck or machine backs the loan and pricing stays sharp — and cashflow lending, where the money isn't tied to an asset and lenders price the risk on your trading instead. One application with us is compared across a panel of 80+ banks and non-bank lenders spanning both.
What drives your rate: how long your ABN has been trading, GST registration, the asset and its age, your credit conduct, and whether there's a deposit or property in the background. Low-doc options mean strong deals can move without full financials — often with a decision the same day.
Structure matters as much as rate: a balloon can free up monthly cashflow, a line of credit can sit behind seasonal stock, and the wrong product on the right asset still costs you money. We structure the deal around how your business actually runs, then place it with the lender that prices it best.
Choosing the right product
Choose this when a machine or gear backs the loan.
Truck finance →Choose this for anything from light rigids to prime movers.
Ute finance →Choose this for the work vehicle, fit-out included.
Unsecured business loans →Choose this for fast capital without asset security.
Cashflow finance →Choose this to smooth the gap between invoices and bills.
Business line of credit →Choose this for a standing limit you draw on as needed.
Business finance questions, answered.
Every lender sets its own threshold — some want two years of trading, others are comfortable with a new ABN backed by industry experience or a deposit. Part of our job is knowing which lender's policy fits your trading history, so a young ABN is a matching problem, not a dead end.
Full-doc uses your financials and tax returns and generally prices sharpest. Low-doc leans on the asset, your ABN profile and bank statements instead — handy when your latest financials aren't ready. Many lenders offer both; we'll tell you which your deal qualifies for.
For most small-business lending, yes — directors typically guarantee the facility, especially on unsecured loans. It's a real commitment, and we'll always make sure you understand what's being asked before anything is signed.
Depends on the product: asset finance is usually fixed monthly repayments (with an optional balloon), unsecured loans can be daily, weekly or monthly, and lines of credit only charge interest on what you've drawn. We'll structure it around how your cash actually flows.
Asset and unsecured deals commonly get a decision the same day, with funds typically moving within 24 to 72 hours of approval — depending on the lender, the amount and the paperwork.