Business loans for any need you have
Fast funding. Smart structures. Flexible solutions.6.34%Variable Rate*
6.34%Comparison rate*
Borrow between $50K and $20M
Get approved in under 24 hours
Flexible Loan Terms
From 1-5 Years
No negative credit
score impacts
How it works
How to get a business loan in under a day
This whole process takes
literally 24 hours….do it now!
literally 24 hours….do it now!
Why businesses trust us
20+
We compare more banks & fintechs than anyone else
120+
Loan options scanned. More ways to get you approved fast
$0
Of Loanity Fees. You shouldn’t pay to borrow — it’s simple
3
The top 3 best, most
profitable deals for
your business
The 2 types of business loans
Secured business loan
Perfect for businesses wanting lower rates, higher borrowing power, and longer terms. A secured loan is backed by an asset (property, equipment, vehicle), giving lenders confidence — and giving you better pricing.
Great for businesses that want:
Great for businesses that want:
Unsecured business loan
Ideal when you need fast funding and don’t want to use collateral. Unsecured loans rely on your business performance, not assets, making approval lightning fast.
Perfect for businesses needing:
Perfect for businesses needing:
Estimate your repayments
Use the repayment calculator to estimate how much your business loan repayments will be.
(HINT: enter the rate 6.99%, because we can achieve that!)
(HINT: enter the rate 6.99%, because we can achieve that!)
Testimonials
Expertly managed
business finance
jul, 2025
Marcus R.
Loanity made getting asset finance for my workshop incredibly easy. Fast approval and much better than the banks. Best business loans in Australia!
jul, 2025
Reza S.
Transformed my daily routine with unique, eco-friendly treasures. Exceptional quality and service. Proud to support a store that aligns with my values.
jul, 2025
Ali G.
Kourosh and Kia helped me secure an investment property loan easily. Very trustworthy team that understands the market. Best finance broker for our Persian community.
jul, 2025
Sophia K.
Great service for commercial equipment finance. They understood my business needs and offered a flexible repayment plan. Will definitely use Loanity again!
jul, 2025
Sana A.
Amazing experience as a first home buyer. Loanity found me a great home loan rate and explained everything perfectly. Truly seamless service!
jul, 2025
Arash M.
Highly recommend Mr. Kourosh at Loanity for home loans. They are very honest and helpful for our community. The best mortgage broker for first-time buyers.
jul, 2025
Samuel B.
Secured a commercial property loan through Loanity with zero stress. Their expertise in business finance helped us expand our operations quickly. Outstanding service!
jul, 2025
Emily S.
Loanity helped me with a personal loan for home renovations. The fast approval and clear communication made the entire process incredibly easy and smooth.
jul, 2025
Farzad N.
Fast loan approval for our new home! Loanity handled everything perfectly and kept us updated throughout the entire process. Great local service.
Still got questions?
Answer to your questions
What is the difference between a secured and an unsecured business loan?
A secured business loan requires an asset (like commercial or residential property) as collateral, often resulting in lower interest rates and higher borrowing limits. An unsecured business loan does not require physical collateral, making it a faster option for businesses that need quick access to working capital or don’t want to tie up their assets. Loanity can help you compare both options based on your cash flow needs.
How long do I need to have an ABN to apply for a business loan?
Generally, most lenders prefer that your business has been trading with an active ABN for at least 2 years. However, Loanity has access to specialized lenders who offer “New Starter” loans for businesses that have been operating for a shorter period. If you have a clean credit history and a solid business plan, we can often find a financing solution even for newer ventures.
What documents do I need to provide for a business loan application?
For a standard business loan, you typically need your ABN, recent bank statements (usually the last 6 months), and potentially your latest tax returns or BAS statements. If you are looking for a “Low Doc” loan, we may be able to secure funding using just your bank statements to verify your business turnover. Loanity streamlines this process by helping you gather the right paperwork to ensure a fast approval.
Can I get a business loan for equipment, vehicles, or fit-outs?
Yes, this is known as Asset Finance. Loanity can help you secure funding specifically for business vehicles, heavy machinery, medical equipment, or office fit-outs. Asset finance is often easier to obtain because the equipment itself serves as security for the loan, and it may provide significant tax benefits like depreciation or GST input tax credits for your business. Check our asset finance page here
How quickly can I get the funds once my business loan is approved?
One of the biggest advantages of working with Loanity is speed. While traditional banks can take weeks, many of our specialized business lenders can provide a “same-day” approval and have funds in your business account within 24 to 48 hours. This is ideal for businesses needing to cover an urgent invoice, purchase stock, or capitalize on a time-sensitive opportunity.
Can I use a business loan to pay my ATO tax debt?
Yes, using a business loan to clear an ATO debt is a common strategy to improve cash flow and avoid heavy interest or penalties from the Tax Office. Consolidating tax debt into a structured loan can provide a clearer repayment schedule and protect your business’s credit rating. Loanity can help you find a lender that specifically allows for tax debt refinancing.