About us
Business finance shouldn't need a translator
We built 123 Business Finance for owners who are great at what they do, and would rather not become experts in lending jargon to fund it.
Who we help
Australian businesses of every shape: sole traders and partnerships, family companies and trusts, cafés and clinics, trades and transport operators, online stores and wholesalers. What they have in common is a question about money, and not much time to research the answer.
Some know exactly what they want, like an equipment loan or a line of credit. Many don't. They have a moment instead: a BAS that's bigger than expected, a new contract that needs staff before it pays, a customer who's 40 days late. Our job is to turn that moment into a clear set of options.
Why everything comes in three steps
Business finance has a habit of sounding more complicated than it is. Underneath the product names, almost every decision comes down to three things: what the money is for, how it will be repaid, and what's at stake if plans change. So every page on this site is built the same way. A quick answer first, then three steps you can actually act on.
It's also why our 1-2-3 finance finder only asks three questions. They're the same three a good lending specialist asks first.
What we can help arrange
- Property-secured options (first mortgages, second mortgages and caveat loans) from $20,000 to $5,000,000, over residential or commercial property.
- Unsecured, cash flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Bad credit and ATO debt considered case by case.
- Business purposes only: working capital, equipment, stock, tax obligations, fitouts, premises and business purchases.
We don't publish interest rates. Every loan is priced on the business's own circumstances, and we'd rather tell you what your situation could realistically support than advertise a number that doesn't apply to you.
Our promises, in plain words
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.
One more thing we ask in return: please fill in the enquiry form as accurately as you can. The amount, the purpose, your state and whether you own property change the answer completely, and accurate details let us match you properly on the first call.
How we work
- You enquire in about 60 seconds. No documents, no credit check.
- A real person calls you to understand the whole picture, including anything awkward like credit marks or an ATO debt.
- You hear the option that fits, how it works, what it needs and roughly how long it takes. Only then, if you choose to go ahead, do documents and checks begin.
Read more on how it works, or go straight to your 60-second enquiry.
Who we are
123 Business Finance is operated by U Collective Group Pty Ltd, trading as 123 Business Finance, from 412 St Kilda Rd, Melbourne VIC 3004. You can call us on 03 9072 0200 during business hours.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
One match, not a mailout
A real person on your file