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Business loan questions, answered straight
Requirements, documents, how much you can borrow, repayments, approval time and what happens after you hit submit. Straight answers, no waffle.
Loan requirements
Business loan requirements in Australia: the six things lenders check, how unsecured and secured loans differ, and how to fix the gaps before you apply.
Read more →Documents checklist
Documents needed for a business loan in Australia, by loan size and type: ID, ABN, bank statements, BAS, tax returns, property papers and exit evidence.
Read more →How much can I borrow?
How much can a business borrow in Australia? Work it out two ways: turnover-based limits for unsecured loans and equity-based limits for secured loans.
Read more →Loan repayments
Business loan repayments explained: weekly vs monthly, even repayments vs principal at the end, early payout costs and what to do if a repayment gets hard.
Read more →Approval time
How long business loan approval takes in Australia: each stage explained, why secured loans take longer, and the delays you can avoid with prep.
Read more →Credit score
Credit score for a business loan in Australia: what lenders read beyond the number, how long marks last, ATO reporting rules and how to strengthen your file.
Read more →Sole trader loans
Business loans for sole traders in Australia: how lenders assess you when you are the business, personal liability, mixed accounts and helpful paperwork.
Read more →Time in business
How long you need to trade for a business loan in Australia: why ABN age matters, how lenders treat young businesses, and what helps a new ABN.
Read more →Loan fees
Business loan fees explained: establishment, valuation, legal, line, early payout and discharge fees, and how to roll them into one dollar figure to compare.
Read more →After you apply
What happens after you apply for a business loan with us: the expert call, documents, assessment, offer, signing and settlement, plus how to keep it moving.
Read more →Ready when you are: three, two, one…
Step 1 takes about 60 seconds. There's no credit check when you first enquire, your details stay with us rather than going out to a crowd of lenders, and a real expert calls you to talk it through.
No credit check to enquire
No spray-and-pray
A real expert on the phone