Business credit that gets how you actually work.
Your business earns real money. We look at your actual cashflow, not just a credit score or a set of financials you had an accountant prepare six months ago. Sole trader, contractor, small business: if you have an ABN and consistent revenue, we want to talk.
Pick the size that fits. No hidden anything.
$10,000 to $25,000 over 6 to 24 months. One set-up fee and no monthly account fee. Built for sole traders and micro businesses getting started or bridging a gap.
WARNING: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
$25,001 to $50,000 over 12 to 36 months. One set-up fee and no monthly account fee. For established businesses that need room to grow.
WARNING: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
$50,001 to $100,000 over 12 to 48 months. One set-up fee and no monthly account fee. Our biggest business loan, for businesses ready to invest seriously.
WARNING: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
Rates shown are indicative and depend on your business profile, trading history, and credit history. Your rate is set when we assess your application. These are business loans, so they sit outside the National Credit Code (the law that sets the rules for personal loans). We show a comparison rate anyway so you can compare the cost.
Four steps. No surprises.
Pick the loan that fits. We ask about your business, what the money is for, and how long you have been trading.
We look at your business bank statements to see your real revenue and expenses, so you do not need to prepare financials for us.
Approved? You see the full cost, your rate, and your repayments before you sign. Declined? We tell you why.
Weekly, fortnightly or monthly. Every repayment is recorded in your Credit Passport, which you can view and download any time.
Built for businesses the sector overlooks.
Business lending is not right for everyone. If a loan would put your business under pressure rather than help it grow, we will tell you.
- ✓Sole traders and contractors whose revenue does not fit a standard template
- ✓Tradies who need equipment, a vehicle, or working capital to take on bigger jobs
- ✓Gig economy operators with an ABN and consistent business income
- ✓New businesses with less than 12 months of trading but real cashflow to show for it
- ✓Small business owners turned away by a major lender for not having two years of audited financials
Business purpose declaration
These loans are for business purposes only. We ask you to sign a business purpose declaration and we check that the loan is genuinely for your business. This is a legal requirement.
See what your business could borrow. No obligation.
Check what your business could borrow. No obligation.