A calm searchable directory for Australian business finance
Every Australian business lender. One calm directory.
Look up any lender, understand any loan, run the numbers with free calculators, and when you're ready, let a real person find the right fit. No credit check to enquire.
Unsecured business loans Caveat loans Second mortgages Bad credit Urgent funding Calculators
Start with your situation
Been to the bank and hit a wall? You're in the right place.
Banks are great when you fit the checklist. These are the situations where good businesses get a no, and what usually works instead.
The directory
Who lends to Australian businesses
Online lenders, private lenders, invoice financiers, asset financiers and the big non-banks, each profiled in plain English. Here's a taste.
- HomeSecPartnerPrivate lender · Caveat loans, Second mortgage, First mortgage
- EquityTapPartnerPrivate lender · First mortgage, Second mortgage, Caveat loans
- ProspaOnline lender · Unsecured loans, Line of credit, Secured loans
- MoulaOnline lender · Unsecured loans, Line of credit
- BizcapOnline lender · Unsecured loans, Merchant cash advance, Line of credit
- Banjo LoansOnline lender · Unsecured loans, Secured loans, Equipment finance
- AquamorePrivate lender · First mortgage, Second mortgage, Bridging finance
- ScotPacInvoice & trade finance · Invoice finance, Trade finance, Unsecured loans
- EarlypayInvoice & trade finance · Invoice finance, Equipment finance, Trade finance
Private & caveat lenders
Property-secured, fast and flexible. First and second mortgages, caveat loans and bridging.
24 profiled
Online & fintech lenders
Unsecured loans and lines of credit assessed on bank statements, often in days.
17 profiled
Non-bank lenders
Larger non-bank lenders with commercial property and specialist lending.
6 profiled
Invoice & trade finance
Cash against unpaid invoices, and funding for imports and supplier payments.
7 profiled
Asset & equipment finance
Vehicles, machinery, technology and fit-out equipment, secured on the asset.
15 profiled
Manufacturer finance
Finance offered by equipment and vehicle makers through their dealers.
5 profiled
Government-backed finance
Public lenders that fill gaps the market doesn't, with their own eligibility rules.
3 profiled
Every loan type
Know exactly what you're asking for
The right product makes the difference between a quick yes and a slow no. Start here.
- 01Caveat loansHow caveat loans work for Australian businesses: what a caveat is, when they beat a second mortgage, what lenders check, and how fast funds can land.
- 02Unsecured business loansUnsecured business loans explained: how lenders size them on turnover, why a personal guarantee still applies, and the $150k line where security can appear.
- 03Secured business loansSecured business loans in Australia: which assets lenders accept, why an 'all monies' clause matters, and how security changes the amount, cost and speed.
- 04First mortgage loansFirst mortgage business loans explained: when owning property outright is your biggest advantage, what refinancing really costs, and how lenders size the loan.
- 05Small business loansSmall business loans in Australia compared: bank, online and asset-backed options, the trading and turnover minimums lenders publish, and how to size it.
- 06Second mortgage loansSecond mortgage business loans: how combined LVR sets the limit, whether your first lender must agree, and why its redraw can shrink what you get.
- 07Bridging financeBridging finance for business explained: how peak debt and end debt work, open vs closed bridges, and the 31 December land tax date that can cost a year's bill.
- 08Short-term business loansShort-term business loans explained: how daily and weekly repayments work, why early payout may not save you much, and when the ATO is now the dearer lender.
- 09Business term loansBusiness term loans explained: how to match the term to what you're funding, what lenders check, and the bank protections a non-bank contract may not include.
- 10Commercial property loansCommercial property loans in Australia: how owner-occupier and investor deals are assessed, the GST cash needed at settlement, and Victoria's new tax.
- 11Fast business loansFast business loans in Australia: realistic timeframes by loan type, the five stages that eat the hours, and the paperwork fixes that save a day or more.
- 12Working capital loansWorking capital loans explained: work out how much cash your trading cycle ties up, why growth makes it worse, and which facility fits the gap best.
Free calculators
Run the numbers before you talk to anyone
Twenty calculators built for Australian business owners. No interest rates assumed: plug in what a lender actually quotes you.
- Business loan finder
- Repayment calculator
- GST calculator
- LVR calculator
- ATO debt calculator
- Break-even calculator
- Invoice finance calculator
- Margin and markup calculator
Quick repayment check
Roughly
$0
An estimate only, assuming even repayments. Full repayment calculator
A word about banks
Banks are great. Until the answer is no.
If your bank can help, it's usually the cheapest money around, and we'll happily tell you so. But banks run on tight checklists, and plenty of strong businesses fall outside them for reasons that have nothing to do with how good they are.
An ATO payment plan. A default from years ago. A business that's only eight months old. Profits that don't show up until the end of the season. A deadline on Friday. That's where non-bank and private lenders come in, and it's exactly the kind of enquiry we see every day.
No credit check to enquire
Asking what's possible never touches your credit file. A credit check only comes up if you decide to go ahead with a specific option.
Not sprayed to fifty lenders
Your details aren't auctioned off or blasted to a pile of lenders. One team reads your situation and matches it properly.
A real person reads it
A lending specialist looks at your enquiry and calls you. Honest, accurate answers on the form mean the right option comes up first time.
Guides
Plain-English guides, updated every week
Business Loan Conditions Precedent, Explained Simply
Business loan conditions precedent explained: the usual list in an Australian letter of offer, who handles each one, and how to stop them delaying settlement.
Business Loan Costs and Fees Explained, Start to Finish
Business loan costs and fees explained in order: what you pay upfront, monthly, at payout and on default, which you can negotiate, plus a full dollar example.
Business Loan Documents Checklist (Australia, 2026)
A business loan documents checklist for Australian owners: ID, ABN, BAS, bank statements and security papers, sorted by loan type, plus files lenders reject.
Business Loan Eligibility Explained: Gates vs Judgement Calls
Business loan eligibility explained: the fixed minimums lenders publish, the flexible factors, and what to do if you fall short.
Business Loan Red Flags to Avoid (and What to Do)
Business loan red flags to avoid: pressure tactics, fees taken from the advance, all-moneys guarantees, no early payout saving, and the flag in your own plan.
Business Loan Security and Guarantees Explained
Business loan security and guarantees explained: mortgages, caveats, GSAs and director guarantees, what guarantors are entitled to, and how release works.
Questions
Good questions, straight answers
What is the Australian Business Loan Directory?
It's a calm, searchable directory of Australian business finance. You can look up lenders, compare loan types, run the numbers with free calculators and read plain-English guides. When you'd rather talk to a person, one short enquiry puts your situation in front of a lending specialist.
Do you list every business lender in Australia?
We list the non-bank, online, private, invoice, asset and specialist lenders that actively fund Australian businesses, plus profiles of the major banks. We add lenders as we verify them, and lenders can ask to be listed through our join-the-directory page.
My bank said no. Can I still get a business loan?
Often, yes. Banks are great when you fit their policy, but plenty of good businesses don't: a tax debt, a past default, a new ABN, seasonal cash flow or no time to wait. Non-bank and private lenders assess those situations case by case, and property-secured options can move very quickly.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up later, if you choose to go ahead with a specific lender and option.
Do you publish interest rates?
No. Business loans are priced on the individual business, the security and the urgency, so a published rate would mislead more people than it helped. Our calculators let you plug in the costs a lender actually quotes you.
How much can a business borrow?
Unsecured and cash flow options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans (first mortgages, second mortgages and caveat loans) typically run from $20,000 to $5,000,000.
Are you a lender or a broker?
We're a directory first. When you enquire, your details go to one lending team, not a pile of lenders, and a real person works out which option fits. We'll always tell you plainly what's possible and what isn't.
Explore: LendersLoan typesSituationsIndustriesLocationsWhat it's forCalculatorsCompareBanksGlossary
Ready when you are
Tell us what you need and what it's for. About 60 seconds, no credit check to enquire, and one real person, not fifty lenders, gets back to you.
No credit check to enquire
Not sprayed to fifty lenders
A real person reads it