Business Loans for Australian SMEs

Secure funding for working capital, expansion or one-off needs.
Compare offers from leading lenders in just 24 to 48 hours.

  • Fixed repayments for better planning
  • No property security required
  • Compare offers with one application
Check My Eligibility

What You Get with a Business Term Loan

From loan size and security to how you repay – here’s a quick overview of how business term loans work.
Feature Term Loan
Loan Amount $10,000 to $1,500,000
Loan Term 6 months to 5 years
Repayments Weekly, fortnightly, or monthly
Security Unsecured and secured options available.
No property security and no director guarantee also available (lender dependent).
Use of Funds Working capital, inventory, tax debt, expansion
Best for Businesses seeking predictable, structured repayments
Loan Amount
Loan Term
Repayments
Security
Use of Funds
Best for

Go beyond the basics

See how Australian businesses use term loans to unlock growth, manage cash flow, and cover unexpected expenses.
Working Capital

Smooth out your cash flow.

Term loans provide a buffer for managing day-to-day expenses. Cover payroll, supplier invoices, or inventory purchases without tying up your operating cash.
We were constantly juggling payroll and supplier bills – it was stressful and unpredictable. Funding Loop helped us secure a working capital loan that gave us a steady cash buffer. Now I can focus on growing the business instead of worrying about cash flow.

Vanessa Liu

Owner, Dumpling Restaurant

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Business Expansion

Fuel your next stage of growth.

Looking to open a new location, hire more people, or upgrade your tech stack? A term loan gives you upfront funding with the certainty of fixed repayments.
We were ready to open a second location but didn’t want to burn through our cash reserves. Funding Loop gave us access to upfront capital with fixed repayments, so we could grow confidently without disrupting our cash flow.

Sean Harper

Business Owner, Cafe

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ATO & Tax Debt

Take control of overdue taxes.

If you’re behind on your BAS, income tax, or payroll obligations, a term loan can help you clear ATO debt and avoid escalating penalties or legal action.
Falling behind on our BAS and tax payments was causing serious stress. Funding Loop helped us clear the backlog with a single structured loan. It stopped the penalties, gave us peace of mind, and we’ve been back on track ever since.

Priya Desai

Director, Commercial Cleaning

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Eligibility Requirements​

To access a business loan through Funding Loop, your business must meet these basic criteria.

Monthly revenue over A$10k

Provide proof of your monthly revenue with bank statements.

Trading for 12+ months​

Your business must have been legally registered and actively trading for at least twelve months.

Be in our approved industry​

We do not support businesses in restricted sectors like firearms, adult, drugs, etc.

Ready to Apply?​

No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
1

Share your business details

Tell us a bit about your business and funding needs. We’ll securely collect your recent bank statements – it only takes 2 minutes.

2

Quick review & verification

We’ll review your application and get in touch to confirm a few details. If you’re good to go, we’ll request your ID (like a driver’s licence and proof of address).

3

Approval & funding

Once approved, the funds are transferred directly into your business account – ready to use for growth, cash-flow, or anything else your business needs.

Apply for a Business Term Loan

Frequently asked questions​

What documents or business information do I need to apply?
To assess your application, we typically request your ABN, recent bank statements, and a summary of your business trading activity. Depending on the product or lender, additional documents may be required.

Yes – some lenders offer options for newer businesses. In most cases, you’ll need at least 6 months of trading history, but we’ll review your situation and match you with the most suitable lenders.

Yes – many businesses apply for multiple products depending on their needs. You can explore options such as equipment finance, term loans, and credit lines, and we’ll help you compare them side-by-side.

To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.

We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.

We work with a carefully selected panel of Australian and international lenders. Our partners are assessed based on their product range, approval speed, service quality, and competitive pricing to ensure we match you with trusted providers.
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Let’s get your business funded.

Quick questions. No credit checks. No obligations.

Get matched with lenders.

No upfront credit checks. No pressure.