Business loans that fit the business.
A secured term loan isn't right for every business. Some need a line of credit, some an acquisition facility, and some are better served by cashflow lending against receivables. Picking the right product is half the work.
The main types of business finance
Secured term loans
Long-term finance secured against commercial or residential property. It usually carries the lowest rates and the most certainty.
Unsecured term loans
A shorter term and a higher rate, with no property security. Useful when you need a faster decision or security isn't available.
Lines of credit
A revolving facility for working capital. You draw and repay as needed.
Cashflow / invoice finance
A facility secured against your receivables. It suits businesses with lumpy invoicing and tight cashflow.
Acquisition finance
Lending for buying a business or a bolt-on, often structured with earn-outs.
Trade & import finance
Letters of credit, trade facilities and supply-chain finance for businesses that import stock.
Business loan FAQs
Can I get a business loan without property security?
Yes, but expect a noticeably higher rate and usually a shorter term. Unsecured lending relies on trading history, cashflow and director covenants. Where both options are open to you, we'll model both.
How much documentation do I need?
For secured bank lending, expect to provide 2 to 3 years of financial statements and tax returns, bank statements, your ATO integrated client account and a cashflow projection. Fast-decision non-bank lenders work from 6 months of transaction data and a shorter document list.
Can directors avoid personal guarantees?
Rarely, for SME and mid-market businesses. On larger corporate deals, guarantees are sometimes negotiable. Either way, we push to keep the guarantee as narrow as we can.
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. There's no cost or obligation, and you'll leave with a clear next step.