Flexible term loans for growing businesses. Access funding with fixed repayments and fast approval.
Secure funding for working capital, expansion, or one-off needs. Compare offers from leading lenders and choose the best fit—often within 24–48 hours.
Fixed repayments for better planning
No property security required
Compare offers with one application
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
Our Trusted Providers
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
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
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
Eligibility Requirements
To access asset finance 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, 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
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.
Can I apply if my business is new or has limited trading history?
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.
Can I apply for more than one type of finance at the same time?
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.
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.
Who are your lending partners, and how do you choose them?
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.
