Small Loans in Australia: Fast, Flexible Finance for Business Needs
Need a small loan in Australia for your business? Whether you’re a startup, sole trader, or growing SME — sometimes a smaller amount of capital is all it takes to keep things moving. At Funding Loop, we help Australian businesses access fast, flexible small loan options — even without property security.
What Are Small Business Loans?
Small business loans typically range from $5,000 to $150,000 and are designed for short- to medium-term needs. Unlike personal or payday loans, these are tailored to business use and often have:
- Flexible repayments: weekly, fortnightly or monthly
- Terms from 3–24 months
- Fast approval — sometimes within 24–48 hours
- No property security required in many cases
They’re ideal for managing working capital, seizing short-term opportunities, or navigating seasonal cash flow gaps.
Who Are Small Loans Suitable For?
These loans work best for:
- Small business owners looking to purchase stock
- Tradespeople or contractors who need to buy tools or equipment
- Retailers covering seasonal cash shortfalls
- Sole traders needing a boost to handle growth
- Businesses seeking to consolidate expensive short-term loans
Typical Loan Features
Funding Loop partners with 80+ lenders offering products such as:
- Unsecured Business Loans – Fast, no property needed
- Short-Term Loans – Fixed fee with predictable repayments
- Line of Credit – Access funds as needed
Let’s compare your options.
Small Loan Comparison Table
| Loan Type | Amount Range | Term | Security | Approval Speed |
|---|---|---|---|---|
| Unsecured Loan | $5K – $150K | 3–24 months | No | 24–48 hrs |
| Line of Credit | $10K – $250K | Ongoing | Optional | 1–3 days |
| Short-Term Loan | $5K – $100K | 3–12 months | No | Same day–48 hrs |
What You Need to Qualify
Most lenders will ask for:
- Active ABN or ACN
- 3–12 months trading history
- Minimum $5,000/month turnover
- Business bank statements (typically last 3–6 months)
Bad credit? There are lenders who look beyond your credit score and assess your current cash flow and operations.
Why Use Funding Loop?
- One online application – 80+ lenders
- No obligation quotes
- No property security required for most small loans
- Fast answers – and funding in 24–72 hrs
Our team helps you compare options and avoid overpaying — especially for high-cost short-term lenders.
FAQs About Small Business Loans in Australia
Are small loans expensive?
Some can be. We help you avoid payday-style options and match you with transparent lenders offering reasonable rates.
Can I repay early?
Yes. Many lenders offer early repayment discounts or don’t charge penalties. We’ll help you pick one that fits your goals.
Do I need collateral?
No. Most small business loans through our panel don’t require property or personal assets.
Start Comparing Small Loan Options Today
With Funding Loop, you get fast, transparent access to finance tailored to your business — not generic one-size-fits-all products.
Apply online in minutes to get matched with lenders that meet your needs and timeframe.
- Funding Loop
