Step 1 · Know your 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.
- 1
Pick the page that sounds like you
Each page opens with a quick answer, then three steps: what it is, who it suits and how to get it.
- 2
Check the fit
Compare security, speed and paperwork. Not sure? The 1-2-3 finance finder narrows it down in three questions.
- 3
Ask a real person
A 60-second enquiry with no credit check. A specialist calls you with the option that actually fits.
27 pages in loan options
Every Australian business loan option in plain English — secured, unsecured, equipment, invoice, bridging and more — each explained in three simple steps.
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 →Cash flow loans
Cash flow loans explained simply: how lenders use your bank statements, when a cash flow loan beats other options, and three steps to the right amount.
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 →Working capital loans
Working capital loans explained: what working capital is, how to measure your own working capital cycle, and three steps to funding it sensibly.
Read the 1-2-3 →Short term business loans
Short term business loans explained: typical terms, when a short loan beats a long one, the exit plan lenders want, and three steps to borrowing well.
Read the 1-2-3 →Fast business loans
Fast business loans explained honestly: the three things that decide how quickly funds arrive, and how to prepare so your application moves without delays.
Read the 1-2-3 →Urgent business loans
Need business funds urgently? A calm three-step plan: triage the deadline, choose the quickest suitable loan, and avoid the mistakes that cost more time.
Read the 1-2-3 →Bad credit business loans
Bad credit business loans explained honestly: what lenders look past, why property security changes the picture, and three steps to telling your story well.
Read the 1-2-3 →Private mortgages
Private mortgages for business purposes explained: how private lenders differ from banks, who they suit, and three steps to using property as security wisely.
Read the 1-2-3 →First mortgage loans
First mortgage business loans explained: borrowing against a property with no loan on it, or refinancing the one that is, in three clear steps.
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 →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 →Bridging loans
Bridging loans for business explained: how they cover the gap between buying and selling, what lenders need to see, and three steps to a safe crossing.
Read the 1-2-3 →Commercial property loans
Commercial property loans explained simply: buying premises or borrowing against them, what lenders assess, and three steps to the right structure.
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 →Business vehicle finance
Business vehicle finance explained: chattel mortgage, hire purchase and leases for utes, vans and trucks, and three steps to the right term and structure.
Read the 1-2-3 →Fitout finance
Fitout finance explained: how to fund a shop, café, clinic or office fitout, why fitouts are harder to secure than equipment, and three steps to a sound plan.
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 →Stock finance
Stock finance explained: how to fund inventory for peak seasons and bulk buys, the main structures, and three steps to borrowing without overstocking.
Read the 1-2-3 →Purchase order finance
Purchase order finance explained: how to fund supplier costs for a confirmed customer order, who it suits, the alternatives and three steps to a smooth deal.
Read the 1-2-3 →Business overdrafts
Business overdrafts explained in three steps: how they work, what they cost to hold, how they compare with a line of credit, and when to use something else.
Read the 1-2-3 →Merchant cash advance
Merchant cash advance explained in plain English: how repayments come from card takings, who it suits, the costs to check, and three steps to deciding.
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 →Payroll finance
Payroll finance explained: funding wages and super when customer payments lag, what Payday Super means for cash flow, and three steps to a steady pay cycle.
Read the 1-2-3 →Franchise finance
Franchise finance explained: what it costs to buy a franchise, how the Franchising Code helps your due diligence, and three steps to funding it sensibly.
Read the 1-2-3 →Business loan refinance
How to refinance a business loan: when it makes sense, consolidating several debts into one, the costs to weigh up and three steps to a smoother structure.
Read the 1-2-3 →Keep going
Step 2 · Get 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 →Step 3 · Pick your moment
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 →Free tool
1-2-3 finance finder
Three questions, then the loan types that fit, what to prepare and your next step.
Try the finder →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