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Compare unsecured business loans
By Sean Callery
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Business Loan Brokers Australia
Updated 28 Jul 2025
Money.com.au's expert business loan brokers can help you get the finance you need to run and grow your business. Get started today.
Excellent
4.7 out of 5
Our business finance experts are here to help.
How our business finance brokers can help
Our team goes above and beyond to get the best deal for your business.
Step 1
Tell us what you need
We're experts at understanding clients and their business and finding finance to match.
Get started
Step 2
Compare your loan options
From lenders in our panel, and shop for your best deal.
Compare business loans
Step 3
We take care of the application
We’ll take care of the paperwork, freeing up your time to focus on your business.
Apply today
Just some of the lenders in our broker panel
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Types of business finance we can support you with
- Chattel mortgages (for vehicles, equipment and other assets)
- Tax debt finance and other debt consolidation
Our approach to business finance broking
Our experienced business loan brokers are not just here to get deals through (although we are very effective at doing that!). We build long-term relationships with our clients by understanding their business, its current challenges and future ambitions.
That way we can source finance solutions that are actually going to work now and as your business changes.
Building that relationship means that in six months or a year’s time when you want to review your current finance arrangements or embark on a new project, your Money.com.au broker will be able to pick things up right where you left off. It means we can ask a couple of key questions to understand your current plans, without needing to go over the basics of your business again.
Our clients appreciate that seamless service and the honest and open approach of our brokers. We’ll tell you if we think there’s a better path forward, but respect your ultimate decision and do everything we can to support you, whatever you choose.
What our clients say about us…
What do business loan brokers do?
1. Understands your finance needs
First and foremost, a business loan broker’s job is to get to know your business and what it’s hoping to achieve. An experienced broker can do this in a 15 minute call by asking a small number of key questions. That initial conversation acts as the foundation for the broker’s other key functions.
2. Develops a finance strategy
Before jumping to specific solutions, your broker should take a step back and consider your overall borrowing strategy. This includes factors like the finance structure, type of loan (secured vs unsecured), the finance duration, repayment structure and the exit strategy. Without this, choosing the right option will be guess-work.
3. Compares multiple lenders
Arguably the primary benefit of working with a finance broker is that they give you access to a broad panel of lenders. If you want to shop around and ultimately get the best business loan you can, using a broker will save you a lot of time and effort.
4. Can access specialist providers
Not only can brokers compare multiple business lenders at once, they can also access lenders that do not offer finance directly to borrowers. Particularly if you have a specialist finance need such as low doc finance or want to finance specialist equipment, your only route to certain lenders that offer these will be through a broker.
5. Explains your options
It’s one thing getting a set of borrowing options to compare and a very different thing to actually understand which one will be best for you. Your broker will explain the pros and cons of each avenue, the cost implications and how each finance option would be a fit for your business specifically.
6. Negotiates your deal
Brokers have good relationships with lenders, but ultimately they are working for their clients to get the best outcome possible. Your broker will use their experience and leverage relationships with lenders to negotiate rate discounts, fee waivers and other perks to get deals across the line.
7. Does the leg work to submit your application
Business loan applications can be complex and time consuming. That kind of paperwork is rarely the best use of a business owner’s time. Your broker will get whatever they need from you up front and then take care of the rest. They’ll provide regular updates on progress.
8. Helps get you approved
If your application is not straightforward, a broker can be particularly valuable. They’ll be able to guide you on which lenders are most likely to approve you for the amount you need and what you as a borrower might need to do to get your application across the line (e.g. contribute a deposit). Again, this saves you time and avoids unnecessary damage to your credit file.
9. Can help you source business assets
A common challenge we hear from clients is not being able to source suitable business assets. In other words, the finance is ready to go but the asset isn’t there. Our brokers have access to an extensive network of dealers across various asset types who can help businesses source vehicles and other equipment nationwide.
10. Provides ongoing support
If you need help refinancing or restructuring your loan down the track, we’ll be on hand to guide you on the best path forward. And if you need help financing your next project or phase of expansion, many of our clients value the convenience of working with the same broker who understands them and their business.
Why use a broker?
Phil Collard, Asset finance expert
“Where a broker has the ultimate advantage versus going to a lender directly is having a clear understanding of the customer's requirements and objectives and tailoring product recommendations to match from a range of lenders. Take, for example, a customer who might be attracted to a certain product due to the sharp interest rate. What they may not understand is the exorbitant termination fees to exit that contract early. If that customer is purchasing an asset they don’t intend to keep for very long, the broker will step in to ensure the customer is clear on the implications of the ‘cheap’ loan and considers options that may ultimately be more cost effective.”
Phil Collard, Asset finance expert
Businesses that use Money.com.au finance brokers
Our business finance brokers have worked with thousands of businesses over the years. Most of our clients are small businesses, across a diverse range of industries. Here‘s a breakdown of the types of business we work with:
- About 36% of our clients are looking to finance a vehicle or piece of equipment; 30% need finance for day-to-day capital, and 15% are looking to expand by financing the purchase of another business.
- 40% of our clients are sole traders, while 31% employ fewer than 10 people.
- 33% of our clients are based in New South Wales, 25% are in Victoria and 23% are in Queensland.
- Almost two-thirds (63%) of our clients are established businesses trading for more than three years.
- We service clients across all sectors, but our top industries are building and construction; cleaning services; IT services; agriculture and hospitality.
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Learn more about business loan brokers
What are the pros and cons of working with a business loan broker?
A good business finance broker can be an incredibly valuable asset for a business, providing a low-cost but high-impact service. But there are some potential drawbacks to consider alongside the positives. Here’s a summary of the pros and cons:
Pros
- Offers guidance on overall finance strategy
- Can access multiple lenders enabling you to shop around easily
- Can access specialist lenders that borrowers can’t deal with directly
- Saves you time by taking care of the finance application
- Often negotiates preferential pricing for clients
Cons
- Doesn’t have access to every lender in the market
- The quality and experience of individual brokers can vary significantly
- May not have specific experience of your industry
- Earns commission from lenders which can introduce a conflict
- Works for multiple clients at once so can’t always prioritise your deal
Is there a fee for using your broking service?
No, businesses can access our finance broking services free of charge. That includes initial consultation, product comparison and support with your application.
How do your brokers make money?
We make money on our business finance broking services through commissions paid to us by lenders if you choose one of their products. This can include an up-front commission when the loan settles and/or a trail commission paid regularly by the lender for a period of the loan term.
However, we do not recommend products to our business customers based on the commission we may earn. Our overwhelming priority is to ensure that the products we recommend to our customers are suitable for their needs.
How many lenders do you work with?
Money.com.au’s business loan brokers work with a panel of more than 50 business lenders, including:
- ABR Finance
- Angle Finance
- ANZ
- APositive
- Australian Business Credit
- Australian Secure Capital Fund
- Azora Finance
- Banjo Loans
- Bizcap
- Business Fuel
- Butn
- Capify Australia
- Capital Finance
- CSA Private Mortgages
- Drive Finance Solution
- Dynamoney
- Earlypay
- Eastwood Securities
- Fifo Capita
- Finport Finance
- Finstro
- Fleet Partners
- Flexi Commercial
- Funda Business Finance
- Funding
- Fuzion Capital
- GRENKE
- Group And General
- HomeSec
- In Front Australian Business Solutions
- Invoice Money
- Lend Asset Assist
- Lumi
- Moneytech
- Morris Finance
- Moula
- Multipli
- Nova Cash Flow Finance
- Octet Finance
- Off Panel Lender
- Prospa
- Rentset
- Resimac
- ScotPac Business Finance
- Selfco
- Semper Asset Management
- Shift
- Speedy Finance
- Strive Financial
- TradePlus24
- TruePillars
- Westlawn
- Westpac
- Your Manager
How long does the process of getting finance take from start to finish?
It can take as little as a single business day to get your finance approved. For example, if you have your documents ready and an asset ready to purchase (if it’s a secured business loan), our brokers can often arrange to get the finance approved the same day.
More broadly, depending on the circumstances, business loan approvals usually take somewhere between one and five business days. Once approved, the funds are usually released by the lender within 1-2 business days.
Are there any businesses your brokers can’t help?
We work with all business types and sizes, across all industries. But ultimately we cannot help every business get finance. Each of the lenders our brokers deal with has its own credit policies and restrictions on who they will lend to.
For example, if your business is brand new, getting finance will be difficult as most lenders require at least 6-12 months of GST registration before they will consider offering finance. The same goes for revenue, if your business does not earn sufficient revenue to prove you can service the loan, it’s unlikely we will be able to get your finance through.
What we can guarantee, however, is that our brokers are highly experienced and will give you a clear idea of your likelihood of approval when we speak with you initially. We won’t waste your time if we don’t think we can help.
Can your brokers help start-ups and newly-established businesses?
In most instances, we can only help businesses that have at least 6-12 months of trading history. Newer businesses rarely qualify for business finance.
One potential exception is if you have extensive experience operating within the same industry and are not going out on your own. Some lenders will recognise your past business experience, in addition to other aspects of your application, but approval is still not guaranteed.
Where are your brokers based?
Money.com.au has offices in Sydney and Brisbane but our brokers can work with businesses nationwide. We can take care of the entire process online and/or over the phone, at a time that works best for you.