Business loans and cash flow finance

Keep your business moving, from payroll and seasonal dips to stock, equipment and growth. We source business and cash flow loans from our lender panel, with funding structured around your revenue and your goals.

  • Working capital & cash flow

  • Business expansion

  • Equipment & inventory

  • Refinance & debt consolidation

Types of business finance we arrange

  • Unsecured business loans: funding based on your trading history, with no property needed as security. Usually shorter terms and quick to arrange.
  • Secured business loans: backed by property or business assets, for larger amounts, longer terms and lower rates.
  • Line of credit or overdraft: draw and repay as you need, paying interest only on what you use. Suits seasonal cash flow.
  • Invoice finance: unlock cash tied up in unpaid invoices from your business customers.
  • ATO debt and refinancing: roll tax debt or expensive short-term funding into one structured loan.
  • Buying a business or a partner's share: funding for acquisitions and buyouts.

How we assess your business

Business lending criteria vary far more between lenders than personal lending does. We look at how your business actually earns money: turnover, margins, seasonality and how long you've been trading. Then we match that to lenders whose criteria fit. Many lenders on our panel can assess low-doc applications using business bank statements and BAS instead of full financials. Where it helps, we work alongside your accountant so the structure suits your tax position.

What you'll usually need

  • ABN and GST registration details
  • 6 to 12 months of business bank statements
  • Recent BAS, plus financials for larger amounts
  • ID for each director or owner
  • Details of existing business debts and what the funds are for

Who we help

Sole traders, trades, transport operators, hospitality, health practices, professional services and growing SMEs, with funding up to $2 million. If your bank has said no, or wants property security you'd rather not offer, a specialist lender may still be able to help. Need a vehicle or equipment instead? See car, truck and equipment finance.

Business loan FAQs

How quickly can I get funds?

Some unsecured lenders can settle within a day or two of approval. Secured and larger loans take longer because of valuations and legal documents.

Do I need property to get a business loan?

Not always. Unsecured loans, lines of credit and invoice finance don't need property, although amounts and rates differ from secured lending.

I've been trading less than two years. Can I still borrow?

Often, yes. Some lenders accept six to twelve months of trading, particularly with strong bank statements or an experienced owner.

Can I get a loan if I have an ATO debt?

Some lenders will refinance ATO debt, especially if you're on a payment plan and up to date. We'll check which lenders accept your situation before applying.

What does it cost to use a broker?

We may charge a broker fee, and we receive commission from the lender. Both are set out in your quote and our Credit Guide before you go ahead.

General information only. It doesn't take into account your objectives, financial situation or needs. Credit criteria, fees and charges apply. My Finance Hub is a Credit Representative (553769) of Purple Circle Financial Services (Australian Credit Licence 486112).