Get access to business funds, fast.
Big goals need the right backing. Whether you're upgrading equipment, expanding or managing cashflow, Money.com.au's top-rated business advisors can help.
Great rates from 50+ lenders
Free to compare, $0 added cost to borrow
Personalised, expert guidance from a dedicated broker
Finance amounts from $5k to $500k+
Our Business Finance Experts are here to help. Updated 29 Jun 2026.
We work for your business to get your best deal from 50+ lenders, including these guys
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Don't just take our word for it...
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Types of business finance you can apply for
Secured business loan
A secured business loan is backed by a commercial asset or residential property which acts as collateral to secure the loan. In some cases, you may be able to use commercial property (e.g. your business premises) as collateral.
Secured business finance usually comes with lower interest rates and more repayment flexibility because there’s less risk to the lender. The lender can reclaim and sell the asset(s) if you default on your loan repayments.
Unsecured business loan
An unsecured business loan is not backed by an asset or collateral. Because the loan isn't tied to any security, interest rates on unsecured business loans tend to be higher to offset the lender’s risk.
That’s because if you default on the loan, the lender may not be able to recoup its losses. Your maximum borrowing amount may also be lower compared to a secured business loan.
Chattel mortgage
A chattel mortgage is a business loan that’s secured against movable property, like a business car loan or equipment finance. The business owns the asset being financed, but the lender retains a claim on it until the loan is repaid. Chattel mortgage interest rates and other terms tend to be better for borrowers compared to unsecured finance options.
Asset finance
Asset finance is sometimes considered its own category of business finance, but it’s generally just another way of describing a secured business loan, with the asset being financed serving as collateral. There are also a couple of leasing options (covered below) that fall under the umbrella of asset finance.
Business line of credit/Business overdraft
A business line of credit gives a borrower access to a predetermined amount of funds that can be drawn on from as needed. It's sometimes referred to as a business overdraft
Interest is only paid on the amount used, making it a flexible option for managing cash flow and covering short-term expenses. It works similarly to a business credit card.
Invoice finance
Invoice finance is a way for businesses to access funding based on the invoices due from their customers. This improves cash flow by allowing a business to effectively get an advance on outstanding invoices.
The way in which invoice finance works varies depending on the provider, with the two main options being invoice factoring and invoice discounted.
Low doc business loans
Low doc business loans are designed for businesses that might not have all the financial documentation typically required for a loan. These loans often have higher interest rates and lower borrowing limits, but offer faster approval processes in a lot of cases.
Bad credit business loans
Bad credit business loans are available to businesses with issues in their credit history. These loans generally come with higher interest rates and stricter terms on account of the higher risk. But they provide crucial short-term funding for small business owners unable to secure traditional loans.
Finance Lease
A finance lease involves a business leasing an asset for a fixed duration, with the option to purchase the asset at the end of the lease term. The business leasing the asset is responsible for maintenance and bears the risks and rewards of ownership.
Operating Lease
An operating lease allows a business to lease an asset for a shorter period, typically less than the asset’s useful life. The leasing provider retains ownership and responsibility for maintenance.
Who’s eligible for a business loan?
Generally, the minimum eligibility requirements for a small business loan in Australia include:
- Australian citizenship or permanent residency
- An active ABN or ACN
- Your business must be GST-registered
- At least six to 12 months of trading history
- A minimum annual business turnover of $75,000 - $100,000
- The ability to provide financials or a self-declaration
How it works
Who are Money.com.au?
Money.com.au is a proudly consumer-first financial comparison platform, matching engine and expert guidance resource for Australians. We give businesses a better, simpler, fairer way to compare business loans and a range of other financial solutions from trusted lenders and providers.
We do this through our team of industry-leading experts, and our free and easy-to-use comparison tables, calculators and tools.
What lenders do you work with?
We give our business customers access to more than 50 business finance providers in Australia, ranging from major banks and online-only lenders, to specialist lenders.
Our range of partner lenders means we can offer our customers multiple competitive deals to choose from, and find high-quality finance solutions in virtually all scenarios.
How quickly will my business finance be approved?
We can get your business finance application submitted and approved the same business day if we have all the information the lender needs. It's often possible to have the finance settled and the funds in your or your supplier's bank account within 24 hours.
Can I get finance with a limited trading history?
It may still be possible to get funding if your business has a short trading history. We work with various lenders with flexible assessment requirements, some of which will offer finance if the business has been trading for less than six months.
In this scenario, the lender may require evidence that you have a proven track record in your industry (e.g. owning or working at other businesses) or contracts for future work that will provide the funds to service the loan.
Speak to one of our business finance brokers to explore your options.
Does comparing business loans with you hurt my credit score?
No it doesn't. We'll help you compare a range of tailored business finance offers, with no impact on your credit score. In some cases we may do a soft credit check which lets us determine which lenders may be suitable and what rates your business may be able to access, but it does not damage your credit score.
If you end up applying for a business loan, the application will be recorded on your credit report. This is the same as what would happen if you applied with a lender directly.
Can you help self-employed borrowers and sole traders find business finance?
Yes, we can. Our extensive panel of lenders means we can generally find a finance solution for businesses of all sizes and structures.
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Loan Amount
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Important Disclosures
General information only
The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular product. You should read the relevant disclosure information from the lender before deciding whether to apply for or continue to use a particular product.
Our Lending Partners
For offers from Money.com.au lending partners, we will match you with lenders and rates based on the information you provide us. This won't affect your credit score. We do not compare all car loan providers in the market and can't guarantee rates from a specific lender.
If you get a car loan from one of our lending partners as a result of visiting this page, we may earn a commission.
What products and information is shown?
The products displayed in our business loan comparison tables are those available from Money.com.au’s lending partners that match the loan criteria selected at the top of the table. The comparison does not cover all lenders available in the market, nor does it cover all products available from those providers shown. The comparison does not include all product features, costs and eligibility criteria that may be relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice. Please check current product details with one of our business lending specialists or directly with the lender before proceeding.
How business loan products are sorted and filtered by default
Users can easily change the sort order and apply product filters to our product comparison tables based on what they need. However, when you first arrive on a page, a default loan amount and purpose is selected and business loans are automatically sorted by:
- Lowest starting interest rate, then;
- Provider name (A-Z)
The order of the products in our business loan comparison tables is not influenced by any commercial arrangements.
Commission we may earn
If you get a business loan as a result of visiting this page and/or dealing with a Money.com.au business lending specialist, we may earn a commission from the lender. Read more about how we make money.
Money.com.au has strict rules and policies in place that ensure we can provide accurate and reliable information to consumers and businesses about financial products, without it being influenced by our commercial arrangements.