Business Loans Guide
Master business lending options. From unsecured loans to invoice finance—find the right capital solution for your growing business.
Types of Business Loans
Unsecured Business Loans
No collateral required. Based on personal guarantee, business revenue and credit history. Rates: 7.9% - 15% p.a.
Secured Term Loans
Secured against business assets or property. Lower rates, longer terms. Rates: 6.5% - 10% p.a.
Invoice Finance / Factoring
Advance against outstanding invoices. For B2B businesses with long payment cycles. Quick funding.
Cashflow Lending
Based on monthly transaction volumes and bank statements. No traditional profit/loss required. Fast qualification.
ABN Loans
Designed for self-employed and sole traders. Proof via tax returns, bank statements and ABN history.
Equipment Finance
Chattel mortgages for vehicles, machinery and technology. Asset serves as security.
Business Loan Requirements
Minimum Time in Business
6-12 months depending on loan type
Revenue Requirement
$100k+ annual revenue (varies by lender)
Documentation
Last 2 years tax returns, 3-6 months bank statements
Personal Guarantee
Usually required for unsecured loans
Business Structure
Sole trader, partnership, company or trust
Credit History
Assessed but not always disqualifying if turnover is strong
Business Loan Costs
Invoice Finance vs Term Loans
| Feature | Invoice Finance | Term Loan |
|---|---|---|
| Use Case | Unpaid invoices | General working capital |
| Repayment | As invoices are paid | Fixed monthly amount |
| Funding Speed | 24-48 hours | 3-7 days |
| Cost | 0.5-3% of invoice value | Interest rate + fee |
| Best For | B2B companies, contractors | General business growth |
Explore Other Options
Get Business Lending Quote
Quick pre-approval for qualified businesses. Compare terms from multiple lenders.
Request Business Loan Quote