Business Finance
Funding to grow, steady cash flow or seize an opportunity.
Tell us what the money is for. We'll help you understand the business finance options available through our lender panel and what each would involve.
Overview
Matching the finance to the need
Business finance covers many products — term loans, lines of credit, invoice and trade finance, and secured commercial lending among them. Each suits a different purpose and comes with different costs and conditions.
Starting with what you need the funds for, and how and when your business can repay, helps narrow down which options are worth exploring.
Scenarios
Common reasons businesses borrow
Growth
Hiring, new premises, a new location or a bigger contract.
Cash flow
Bridging the gap between paying suppliers and getting paid.
Stock and seasonality
Building inventory ahead of a busy period.
Opportunities
Acquisitions, buy-outs or larger commercial projects.
Options
What we can discuss
Depending on your business and purpose, we can talk through:
- Secured and unsecured business loans
- Working capital, overdraft and line-of-credit style facilities
- Invoice and trade finance
- Commercial and property-backed lending
What lenders usually ask for
To get started we'll typically need an overview of:
- Your business details, ABN and trading history
- What the funds are for and how much you're looking for
- Recent financial information — BAS, financial statements or business bank statements
- Identification for directors or owners
Every lender sets its own requirements, so we'll confirm exactly what's needed for your situation. Please don't send documents through the website enquiry form.
How it works
Three simple steps
- 01
Apply online in minutes
A few simple questions. No paperwork yet.
- 02
A specialist calls you
We compare lenders and explain your options.
- 03
Get funded
Choose your option. Once the lender approves, funds are settled.
Repayment estimator
Get a rough idea of repayments
Adjust the numbers to see an estimate. No details needed, nothing is saved.
Estimated monthly repayment
$2,100.19
- Amount financed
- $100,000.00
- Regular repayments total
- $126,011.17
- Balloon at end
- $0.00
- Total repayments
- $126,011.17
- Estimated interest
- $26,011.17
Estimates only. This is not a quote, an offer of finance or an approval. Fees and lender-specific terms are not included. Actual repayments may differ. Eligibility and approval are subject to assessment.
FAQ
Questions about this
Something else? Ask us.
What's the difference between a business loan and a line of credit?
A business loan is usually a lump sum repaid over a set term. A line of credit lets you draw funds as needed up to a limit. Which fits depends on whether your need is one-off or ongoing.
Do I need property as security?
Not always. Some business finance is unsecured or secured by other business assets, though conditions and costs differ. We'll explain the options that may suit you.
How much could my business borrow?
That depends on each lender's assessment of your business, its financials and the purpose of the funds. We can't promise an amount, but we can help you understand what lenders will look at.
Ready? It takes about 3 minutes.
Apply online — no credit check to start. A Bizzy specialist will call you back.