Australian business finance, simplified
Business finance, as easy as 1-2-3
Every business loan type explained in three plain steps, then matched to your business by a real person. Secured or unsecured, from $20k to $5m.
- No credit check to enquire
- No spray-and-pray
- A real person calls you
No credit check to ask
Finding out what's possible leaves your credit file untouched. A credit check only comes up once you choose to go ahead.
One match, not a mailout
We don't fire your details at a crowd of lenders. Your situation is matched with care, one considered option at a time.
A real person on your file
A lending specialist reads what you send and rings you. Accurate form answers mean the right match on the first call.
Three ways in
Start where you are
Know the loan you want? Not sure yet? Facing a moment that needs money? Pick a block.
Loan options
Business loan options, explained in three steps
Twenty-seven ways to fund an Australian business. Each one broken into three plain steps: what it is, who it suits, and how to get it.
Open loan options → 2Get ready
Get loan-ready: eligibility, documents and borrowing power
What lenders check, what paperwork to gather and how much you can sensibly borrow — sorted before you apply.
Open get ready → 3Money moments
Money moments: when a business usually needs finance
Tax time, new hires, a big contract, a slow-paying customer. The everyday moments that turn into funding questions, and three ways through each.
Open money moments →Most-read loan pages
Popular loan options, each in three steps
Every page opens with a quick answer, then walks through what it is, who it suits and how to get it. Twenty-seven loan types in all.
Small business loans
Small business loans explained in three steps: the main types, what Australian lenders look at, and how to pick a loan that fits your cash flow.
Read the 1-2-3 →Unsecured business loans
Unsecured business loans explained in three steps: who qualifies, how lenders size the amount from your turnover, and what to prepare before you ask.
Read the 1-2-3 →Business line of credit
How a business line of credit works in Australia: draw what you need, repay and redraw, who it suits, and three steps to setting the right limit.
Read the 1-2-3 →Second mortgage loans
Second mortgage business loans explained: borrow against equity while keeping your current home loan, who it suits, and three steps to sizing it safely.
Read the 1-2-3 →Equipment finance
Equipment finance explained in three steps: chattel mortgage, hire purchase and leasing compared, plus how the instant asset write-off fits the decision.
Read the 1-2-3 →Invoice finance
Invoice finance explained: factoring versus discounting, who it suits, how unpaid invoices unlock cash, and three steps to deciding if it fits.
Read the 1-2-3 →Tax debt business loans
Loans to pay an ATO debt explained: payment plans versus refinancing, director penalty notices, credit reporting and three steps to clearing the debt.
Read the 1-2-3 →Caveat loans
What a caveat loan is, how a caveat on a property title secures business finance, when it beats a second mortgage, and three steps to using one well.
Read the 1-2-3 →How it works
One enquiry. One real person. One option that fits.
- 1
Tell us what you need
About 60 seconds: amount, purpose, state and whether you own property. No credit check.
- 2
A specialist calls you
A real person reads your enquiry and rings to understand the full picture, including the awkward bits.
- 3
You hear the option that fits
Secured or unsecured, what it needs and how long it takes. You decide; documents only come after that.
- Property-secured
- $20k – $5m
- Unsecured
- Typically $5k – $500k
- Bad credit or ATO debt
- Case by case
Myth, meet fact
Three things people get wrong about business loans
Myth 1Asking about a loan will hurt my credit score.
FactNot here. Enquiring involves no credit check. It's only discussed once you decide to go ahead.
Myth 2Bad credit means no business loan.
FactBad credit and ATO debt are considered case by case. Property security often changes the picture completely.
Myth 3Every lender needs two years of financials.
FactMany unsecured options lean on bank statements, and property-secured lenders focus on the property and the exit plan.
Get ready in minutes
Tick off what you already have
You don't need a single document to enquire. But when it's time for the next step, these seven items cover most business loans. See how ready you are.
See the full three-tier documents checklist or run the eligibility self-check.
Documents checklist: how ready are you?
0 of 7 ready
You don't need any of these to enquire. They're what comes next, once you choose an option.
Start my 60-second enquiry →Guides
Plain-English guides, written for Australian owners
Payday Super, ATO debt, the instant asset write-off and what lenders read in your statements, explained without the jargon.
Three questions to answer before any business loan
What it's for, how it's repaid and what happens if plans change: the three questions that make every business loan decision simpler.
Read the guide → ComparingHow to read a business loan offer, line by line
Three passes through any business loan offer: add up the total cost, check the structure, and read the what-if clauses.
Read the guide → Tax & superPayday Super and your cash flow: an employer's guide
Payday Super changed when super leaves your account, not how much. Here's how to plan for it in three steps.
Read the guide → Tax & superATO debt: three ways forward for owners
A calm walk through the three main ways to deal with business tax debt, and the deadlines that make acting early matter.
Read the guide → EquipmentInstant asset write-off and equipment finance, explained
What the instant asset write-off is, what it isn't, and how to decide whether to buy, finance or wait.
Read the guide → Getting readyWhat lenders read in your business bank statements
Your bank statements are the most-read document in business lending. Here's what lenders look for, and how to tidy them up in three months.
Read the guide →Quick questions, quick answers
What does 123 Business Finance do?
We explain every kind of Australian business loan in three plain steps, then match your business with the option that fits. Property-secured options run from $20,000 to $5,000,000; unsecured, cash-flow and line-of-credit options for trading businesses are typically $5,000 to $500,000.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've heard your options and decided to go ahead.
Will my details be sent to lots of lenders?
No. A real person reads your enquiry and matches your situation carefully. We don't spray your details across a list of lenders hoping one responds.
Can I get business finance with bad credit or an ATO debt?
Often, yes. Bad credit and ATO debt are considered case by case, and property security usually widens the options considerably.
Do you publish interest rates?
No. Every business loan is priced on the business's own circumstances, so a published rate would only be a guess. We'd rather talk you through what your situation could realistically support.
Is the finance for business purposes only?
Yes. Everything we arrange is for business purposes, such as working capital, equipment, stock, tax obligations, fitouts, premises or buying a business.
What should I have ready before I enquire?
Nothing, to enquire. For the next step, photo ID, your ABN and six months of business bank statements cover most first conversations. Property details help if you own any.
Ready for your 1-2-3?
Tell us what you need in about a minute. No credit check to ask, no spray-and-pray, and a real person who calls you back with the option that fits.
No credit check to ask
One match, not a mailout
A real person on your file