Business funding
Business Loans Sydney
Business lending runs on a different logic to a home loan: cash flow, trading history and the purpose of funds decide the outcome. We arrange working capital, equipment and secured business facilities through lenders who actually want the deal — banks, specialist funders and fintech lenders where speed matters.
Types of business funding we arrange
Unsecured working-capital loans and lines of credit for cash-flow gaps, equipment and vehicle finance (chattel mortgage or lease), secured facilities against commercial or residential property, and invoice finance where receivables are the asset.
If the cleanest answer is actually a commercial property loan or an equity release from a home you own, we say so — the label matters less than the total cost and the risk you are taking on.
What lenders want to see
Trading history (usually 6–24 months depending on the product), turnover evidence via bank statements or BAS, and a clear use of funds. Directors' credit history matters, and property-backed facilities price significantly cheaper than unsecured money.
We package the file so the story matches the numbers before a credit team sees it. That is usually the difference between an approval in days and a month of back-and-forth.
Speed versus price
Fintech lenders can fund in 24–72 hours at higher rates; banks take weeks and price lower. The right answer depends on what the money earns you and how long you need it. We quote both paths so you choose with the full picture.
FAQ
Business Loans Sydney — common questions
How much can my business borrow?
Unsecured lenders typically lend a multiple of monthly turnover; secured facilities depend on the property and serviceability. We give you a realistic range after seeing bank statements or BAS — usually within a day.
How fast can a business loan be funded?
Unsecured fintech facilities can fund in 24–72 hours once documents are in. Bank and property-secured facilities take longer but cost less. We set the timeline expectation on the first call.
Do I need financials or tax returns?
Not always. Many working-capital lenders assess on business bank statements alone. Larger or cheaper facilities usually want financials and BAS. We match the evidence you have to lenders who accept it.
Can a new business get funding?
Under 6–12 months of trading is harder but not impossible — asset-backed finance, director-guaranteed facilities or equity from property are the usual routes. We tell you honestly what is realistic.
Should I use my home as security for a business loan?
It is the cheapest money available, and it puts the family home on the line. We spell out that trade-off, and where possible we structure so the exposure is capped and reviewable.
Will applying hurt my credit score?
We match you to lenders before anything is lodged, so you are not scattering applications. One targeted enquiry beats five speculative ones.
Do you charge a fee for business lending?
Some business files include a broker fee as well as, or instead of, lender commission. Any fee is agreed in writing before work starts.
Ready to compare lenders?
Tell us what you are trying to do. We will come back with a shortlist, not a product dump.