These are fixed-term loans from banks that provide a lump sum for your business. You’ll repay it over a set period with fixed or variable interest rates, making it suitable for larger, established businesses seeking long-term financing.

Eligibility:
Typically requires a well-established business with a strong credit history, consistent cash flow, and collateral.

Think of this as your flexible credit option. A Business Line of Credit offers flexible funding, letting you draw up to a limit and pay interest only on what you use. It’s perfect for managing cash flow or unexpected expenses.

Eligibility:
Requires an ABN, proof of revenue, and strong creditworthiness. No collateral is typically needed.

Need new equipment? This loan is specifically designed for purchasing machinery or vehicles, allowing you to acquire what you need right away and spread the cost over time.

Eligibility:
Requires a valid ABN, proof of revenue, and a quote or invoice for the equipment. The equipment itself often serves as collateral.

This type of loan allows you to unlock cash tied up in unpaid invoices. You can borrow against your outstanding invoices, giving you quick access to funds while waiting for customers to pay.

Eligibility:
Requires an ABN and a history of unpaid invoices, which act as collateral. Lenders typically review your debtor history and cash flow.

An overdraft provides a financial safety net, allowing you to withdraw more than your account balance for short-term needs.

Eligibility:
Requires an ABN, proof of business trading, and usually a good credit history. Overdrafts are linked to business accounts and may carry higher interest rates if unsecured.

These loans don’t require collateral, so you can borrow based on your creditworthiness and cash flow without putting your assets at risk. Quick access to funds makes them great for seizing new opportunities.

Eligibility:
Requires an ABN, a minimum monthly turnover, and strong creditworthiness. No collateral is needed.

A secured loan lets you use assets as collateral, often offering lower interest rates and access to larger amounts for growth.

Eligibility:
Requires an ABN, business assets (e.g., property or equipment), and good credit. Proven business performance may help secure better terms.

For businesses involved in international trade, this financing helps manage costs associated with importing and exporting goods, ensuring smooth cash flow while waiting for payments or shipments.

Eligibility:
Requires an ABN, proof of trading history, and documentation related to the import/export transaction. Assets like inventory or receivables may be used as security.

These short-term loans help cover day-to-day operational expenses like payroll or rent, without straining your cash flow.

Eligibility:
Requires an ABN, proof of regular business revenue, and strong business cash flow to demonstrate repayment ability. No collateral is typically needed.

Planning to renovate or refurbish your business premises? This loan is tailored for that, helping you create an ideal workspace without straining your finances.

Eligibility:
Requires an ABN, a quote or proposal for renovation, and financials showing the ability to handle repayments.

Need quick cash? A merchant cash advance provides upfront funds in exchange for a percentage of your future sales, offering fast access to money based on projected revenue.

Eligibility:
Requires consistent credit card or point-of-sale transactions. The loan amount is based on future sales projections.

These cards offer a revolving credit line for business expenses, allowing flexible spending while helping manage cash flow effectively.

Eligibility:
Requires an ABN and proof of financial stability. Approval depends on creditworthiness, and no upfront collateral is required.