Finance that works as hard as your business does.
Working capital, equipment, commercial property, or buying the freehold, we arrange business lending with lenders who actually understand business.
Your complete financial situation will need to be assessed before acceptance of any proposal or product. Lender criteria, terms, fees and charges apply.
Capital, without the runaround.
Walk into a bank for a business loan and you'll meet process: forms, committees, weeks of waiting, and a 'no' that arrives without much explanation. Meanwhile your opportunity, the stock buy, the new machine, the bigger premises, has a deadline.
We work across a panel that includes major banks, non-bank business lenders and specialist funders, which means we can match the type of capital to the job: unsecured working capital that settles in days, equipment finance secured by the asset itself, invoice finance that unlocks your debtor book, or commercial property loans for premises and investment.
Just as importantly, we package your application the way credit teams want to see it, clear story, clean numbers, sensible structure. That preparation is frequently the difference between approved and declined, and between a sharp rate and an expensive one.
Why businesses borrow through us
Right Capital, Right Job
Funding stock with a property loan or premises with short-term cash facilities are expensive mistakes. We match the facility type, term and security to what the money is actually for.
Speed When It Matters
We check lender requirements and current turnaround expectations. Timing and approval depend on the application and lender assessment.
Applications Prepared Clearly
We present your business the way credit teams think, serviceability, security, story, drawing on the same panel-wide knowledge we use for home lending.
Business loan calculator
Estimate repayments on a business loan or commercial facility.
Planning tool only. Any pre-filled figures are hypothetical assumptions, not advertised lender rates, quotes or offers. Change the inputs to reflect your circumstances. Results exclude costs described below.
Estimates only. Assumes principal-and-interest repayments at a constant rate. Business lending rates and structures vary widely with security offered, trading history and facility type. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.
Business Lending FAQs
Can I get a business loan without property as security?
How quickly can business finance be arranged?
What do lenders look at for a business loan?
Can I buy my business premises instead of renting?
Will applying affect my ability to get a home loan later?
Your business has plans. Let's fund them.
Tell us what the capital is for and when you need it, we'll come back with realistic options.