Escape High-Interest Loans. Fixed Fee, Fixed Term, Done in 6 months.
Escape high-cost short-term loans. Switch to a 6-month plan with a flat 9% fee and one-time 5.5% establishment — no property security, no compounding interest.
No property security
No obligation to proceed
No upfront credit checks
Compare your options at a glance
Understand what each option offers so you can choose the right funding
approach with confidence.
| Funding Loop Consolidator | vs. | Typical Short-Term Loan |
|---|---|---|
| 9% flat fee | 💰Loan cost | 20–30% flat fee |
| 5.5% | 📄Estab. fee | 3–6% |
| 6 months | ⏱️Loan term | 3 months |
| No property security needed | 🛡️Security | Property may be required |
| Weekly fixed | 📅Repayments | Daily or weekly |
| Refinancing short-term debt | 🎯Best for | Short-term cash needs |
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See Your 6-Month Loan Cost Instantly
Enter your loan amount to see weekly repayments and total cost based on our fixed 9% fee + 5.5% establishment.
AUD
Loan Details
Loan Amount: $10,000
Establishment Fee (5.5%): —
Total Fee (9%): —
Total Payback: —
Cash Available:
(For consolidation & working capital) —
(For consolidation & working capital) —
Repayment Summary
Repayment Frequency: Weekly
No. of Repayments: 26
Weekly Repayment: —
More than just a loan. One strategy, three advantages.
Learn how loan consolidation can simplify your cash flow, reduce repayment stress, and support long-term stability — all with one tailored plan.
Cash Flow Control
Breathe easier with predictable weekly payments
Fixed weekly repayments mean no more surprise debits or fluctuating costs. Know exactly what’s going out — and when — so you can manage your cash flow with certainty.
We had two expensive 3-month loans that were eating into our cash flow every single day. Funding Loop helped us consolidate them into one simple loan. Switching from daily to weekly repayments gave us real breathing room — and in just 6 months, it’ll all be behind us.
Malik
Owner, Barber Shop
One Loan, One Repayment
Simplify your business debt
We combine all your short-term loans into a single repayment. That means one lender, one fee, and one regular repayment — no overlapping interest or daily deductions.
Daily repayments were draining and unpredictable. Consolidating everything into one weekly payment made it so much easier to budget. It’s just one payment, one day a week — and we finally feel in control again.
Carla Jimenez
Co-owner, Café
Fast, No-Security Options
Get approved without using property as security
In most cases, you don’t need to offer property. Just upload your bank statements and we’ll see if you qualify. If eligible, you’ll receive a term sheet or quote within 1–2 business days.
We didn’t have property to secure a loan, and most banks just said no. Funding Loop made it simple — no asset required, just our bank statements. We were approved in two days and finally got the breathing space we needed.
Tasneem Rahman
Owner, Commercial Cleaning
Eligibility Requirements
To qualify, your business must meet the following three 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, or certain areas of construction.
Ready to Apply?
No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
Share your business details
Tell us what short-term loans you’re juggling and how much you’re paying. We’ll securely collect your recent bank statements electronically — takes just 2 minutes.
Quick review & verification
We’ll assess your situation and let you know if the lender is likely to support your consolidation. If you wish to proceed, we’ll request your ID (Driver’s licence, Medicare card, and proof of address).
Approval, payout & cashflow boost
We submit your application to our lender. If approved, we’ll arrange to pay out your existing lenders. If your approval amount exceeds your total payout, the difference is transferred to your bank account as working capital.
Frequently asked questions
Can I apply if I already have existing business loans?
Yes — this loan is specifically designed to consolidate expensive short-term loans into one simple, affordable repayment plan.
How is the 9% fee applied?
It’s a flat, fixed fee charged on the total loan amount. There’s no interest, no compounding, and no hidden costs — just one transparent cost from the outset.
How does the 5.5% establishment fee work?
The establishment fee is deducted from your approved loan amount before funds are disbursed. For example, if you’re approved for $100,000, $5,500 is retained as the fee, and $94,500 is made available for payouts and/or working capital.
Do I need to provide security?
You don’t need to provide property or asset security. However, a standard director’s guarantee is required.
How long does the process take?
Once you submit an enquiry, our team will call you within 1 hour during business hours for a quick 10–15 minute conversation.
After receiving your bank statements (collected electronically), we’ll assess your position and let you know within 2 hours whether we’re likely to help with consolidation.
If you wish to proceed, we’ll request your ID documents (driver’s licence, Medicare card, and proof of address) and submit your application to our lending partner.
Once approved, we’ll request payout letters from your current lenders and issue your agreement. After you sign, the lender will pay out your short-term loans directly. If there’s a surplus above the payout amount, the remaining funds will be transferred to your business account as working capital.
Will all my current lenders be paid out directly?
Yes — once approved, your existing short-term lenders will be paid out directly. You’ll be left with just one simple weekly repayment for 6 months.
