Business loans
Business loans that fit the business.
Not every business needs a secured term loan. Sometimes a line of credit is right. Sometimes it's an acquisition facility. Sometimes it's cashflow lending against receivables. Picking the right product is half the work.
The options
What business finance actually looks like.
Secured term loans
Long-term finance secured against commercial or residential property. Lowest rates, highest certainty.
Unsecured term loans
Shorter term, higher rate, no property security. Useful for faster decisions or when security isn't available.
Lines of credit
Revolving facility for working capital — draw and repay as needed.
Cashflow / invoice finance
Facility secured against receivables. Useful for businesses with lumpy invoicing and tight cashflow.
Acquisition finance
Purpose-specific lending for buying a business or bolt-on. Often structured with earn-outs.
Trade & import finance
Letters of credit, trade facilities, and supply-chain finance for businesses importing stock.
Q&A
Business loan FAQs
Can I get a business loan without property security?
Yes, but the rate will be meaningfully higher and the term usually shorter. Unsecured lending relies on trading history, cashflow and director covenants. We'll model both options where both are on the table.
How much documentation do I need?
For secured lending at banks: 2-3 years of financial statements, tax returns, bank statements, ATO integrated client account, and a cashflow projection. Fast-decision non-bank lenders work on 6 months of transaction data and abbreviated docs.
Can directors avoid personal guarantees?
Rarely, for SME and mid-market. For larger corporate deals, guarantees are sometimes negotiable. We push for the tightest possible guarantee scope regardless.
Keep exploring
Related pages
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.
Ready to structure this properly?
Book a 30-minute discovery call. No cost, no obligation, and a clear next step at the end of it.