Small Business Loan Australia
Looking for a small business loan in Australia? Whether you're growing, hiring, or bridging a cash flow gap, the right finance solution can make a huge difference. At Funding Loop, we help Australian SMEs compare offers from 80+ trusted lenders — fast and obligation-free.
Why Small Business Owners Seek Loans in Australia
Australian businesses commonly turn to finance to:
- Purchase inventory or equipment
- Hire staff or expand locations
- Cover seasonal cash flow gaps
- Pay off ATO or tax debt
- Fund working capital or growth
But with so many lenders and options, knowing what’s best isn’t easy — especially when time is critical. That’s where a finance marketplace like Funding Loop can help.
Types of Small Business Loans Available
Depending on your needs and eligibility, you may qualify for:
- Unsecured Business Loans – Fast, flexible, no property security
- Secured Loans – Lower rates, secured against property or equipment
- Line of Credit – Only pay interest on what you use
- Invoice Finance – Release funds tied up in unpaid invoices
Each has pros and cons. We'll help you find the one that suits your business stage, credit profile, and cash flow.
Eligibility for Small Business Loans
Most lenders will look for:
- Active ABN or ACN
- At least 6–12 months trading history
- $5,000+ in monthly revenue
- Bank statements and/or BAS
Even if you have poor credit or ATO debt, there are options. Our lender panel includes specialists who take a real-world view of your situation.
How Funding Loop Helps You Compare Offers
- One application – access up to 80 lenders
- Fast turnaround – some approvals in 24–48 hours
- No hit to your credit score
- Dedicated support from experienced finance professionals
Instead of applying to lenders one by one, Funding Loop brings them to you — saving time and increasing your chances of getting funded.
Comparison Snapshot
| Loan Type | Typical Term | Security | Use Case | Speed |
|---|---|---|---|---|
| Unsecured Loan | 3–24 months | No | Working capital, ATO debt, growth | 24–48 hrs |
| Secured Loan | 12–60 months | Yes | Larger projects, refinancing | 2–5 days |
| Invoice Finance | Ongoing | Yes (against invoices) | Unlock cash flow | 1–3 days |
FAQs About Small Business Loans in Australia
Can I get a small business loan with bad credit?
Yes. Many lenders look at recent performance, not just credit score. We’ll match you with lenders open to your situation.
Are there small business loans without property security?
Yes. Many unsecured options don’t require property — approval is based on revenue, trading history, and business performance.
How fast can I get funded?
Some loans fund in 24–48 hours. We help streamline the process so your application goes to lenders most likely to approve you fast.
Ready to Explore Your Business Loan Options?
Funding Loop is more than a lender — we’re your finance matchmaker. We simplify the process, compare offers, and help you choose the best solution.
Apply online in minutes — and get matched with real options from real lenders.
- Funding Loop
