Business loan broker for Australian businesses

Working capital, expansion, equipment and ATO tax debt finance.

60+Lenders compared

$0Fee from us to arrange your finance

Business loan amounts from 50,000 to 20 million dollars
Borrow between $50K and $20M
Application prepared and submitted by your broker
Your application prepared and submitted for you
Flexible business loan terms from one to five years
Flexible Loan Terms From 1-5 Years
A first conversation with no credit enquiry
A first conversation needs no credit enquiry
How it works

How to get a business loan through a broker

1

Free consultation

A short call to work out what you can borrow and on what structure, with no obligation.

2

Compare options

We compare lenders across our panel on rate, structure and cash flow impact, then explain the trade-offs.

3

Application and settlement

We prepare and submit your application, then manage it through assessment to settlement.
Start with a conversation.
There is no obligation to proceed.
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Why businesses work with a broker

60+

Lenders on our panel, from major banks to non-bank and fintech lenders

260+

Loan products we can compare against your situation

$0

No fee from us for arranging your finance. Lender fees, where they apply, are disclosed before you commit

3

A shortlist of options you can compare side by side before you decide
Prospa logo
NAB logo
ANZ logo
Westpac logo
Plenti logo
NOW Finance logo
Shift logo
Pepper Money logo
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Moneyplace logo
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Lenders available through our panel. Availability depends on the product, the amount and your circumstances.

Secured and unsecured business loans

Secured business loan

Suits businesses that want lower rates, higher borrowing power and longer terms. A secured loan is backed by an asset such as property, equipment or a vehicle, which gives the lender more comfort and generally means better pricing for you.

Great for businesses that want:
Lower interest rates
Larger loan amounts
Longer repayment terms
More lenders to choose from

Unsecured business loan

Suits businesses that do not want to tie up collateral. An unsecured loan is assessed on your business performance rather than an asset, so there is less for a lender to verify and the paperwork is lighter. Rates are generally higher than a secured facility.

Perfect for businesses needing:
Working capital
Short-term funding
Marketing or stock purchases
Opportunity-driven capital
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Business finance we arrange

Not every business needs the same facility. These are the situations we are asked about most across Australia, and the lenders who handle each one well are not always the same.

Low doc business loans

If your financials do not yet show what your business actually turns over, a low doc facility works from your bank statements instead. It suits the self-employed, businesses in their first couple of years, and anyone whose returns are not lodged yet.

Low doc does not mean no checks. Lenders still verify turnover and still assess whether the loan can be serviced, and the rate generally reflects the reduced documentation. We will tell you honestly whether low doc is the right route or whether a full application would get you a better outcome.

Business loans with an ABN

An active ABN gets you to the starting line. What decides the outcome is trading history and turnover.

Many lenders prefer two years of trading. Others will look at a shorter history where the trading figures are strong. If you have been operating for less than that, it does not automatically rule you out, it narrows which lenders are worth applying to. Choosing the right one first time is the part we handle, and it is what keeps a decline off your record.

Finance for ATO tax debt

An outstanding ATO debt accrues a general interest charge and sits on the business as an open liability. Moving it into a structured facility replaces that with a fixed repayment schedule you can plan around.

Not every lender will fund tax debt, and the ones that do assess it differently. Whether it makes sense depends on what the finance costs you against what the debt is costing you now. We will put both numbers in front of you rather than assume the answer.

Business debt consolidation

If the business is carrying several facilities at different rates with different repayment dates, consolidating can simplify the cash flow picture and may reduce the total cost.

It does not always. Extending the term of a debt can lower the monthly repayment while raising what you pay over the life of the loan. Both of those numbers matter and we will show you both before you decide. If the honest answer is that consolidating leaves you worse off, we will say so.
Buying equipment, vehicles or machinery instead? That is asset finance, where the equipment itself is the security. See our equipment and asset finance page.

Estimate your repayments

Use the repayment calculator to estimate what your business loan repayments could look like.
Enter your own figures. The actual rate depends on the lender, the security offered and your business profile.
Testimonials

What business clients say

Great service for commercial equipment finance. They understood my business needs and offered a flexible repayment plan. Will definitely use Loanity again.
Sophia K.
Secured a commercial property loan through Loanity with zero stress. Their expertise in business finance helped us expand our operations.
Samuel B.
Still got questions?

Business loan questions, answered

How much would repayments be on a $50,000 business loan?

That depends on three things: the rate, the term, and whether the loan is secured. As a worked example, a $50,000 loan over 3 years at 10 per cent per annum comes to roughly $1,613 a month, and the same loan over 5 years to roughly $1,062 a month, with more total interest paid on the longer term. Those figures are arithmetic on an assumed rate, not a quote. Use the calculator above with your own numbers, then we will give you real figures from real lenders once we understand your situation.

A broker is useful when you do not know which lender suits your structure, or when your situation is not straightforward. Going direct to your own bank is one application against one credit policy. A broker submits to the lender whose policy actually fits, which usually means fewer declines on your record. The trade-off is honest: a broker works from a panel, not from every lender in the market, so it is fair to ask which lenders are on that panel before you start.

Four things. We work out what you can borrow and on what structure. We compare lenders on our panel against your situation. We prepare and submit the application, including the supporting documents each lender asks for. Then we manage the application through assessment to settlement and deal with the lender’s questions along the way.

We do not charge you a fee for arranging your business finance. Brokers are generally paid a commission by the lender when a loan settles. Separately, some lenders charge their own establishment or application fees. Those are the lender’s fees, not ours, and they are disclosed to you before you commit to anything. If a fee from us would ever apply to your situation, you would be told in writing before you proceeded.

For a full application, most lenders want an active ABN, recent business bank statements, usually six months, and either your most recent tax returns or your BAS statements. If you are buying an asset, they will want details of the asset. For a low doc application, some lenders will work from bank statements alone. We tell you which documents your specific lender needs before you start gathering anything, so you are not collecting paperwork nobody asked for.

Having an ABN is the starting point, not the whole test. Most lenders also want to see how long you have been trading and what the business turns over. Two years of trading is a common preference. There are lenders who work with newer businesses, and there are lenders who will look at a shorter trading history where the rest of the picture is strong. Which of those applies to you depends on your figures, and that is what a first conversation is for.

For an unsecured loan there is usually no deposit, because there is no asset being purchased. For asset and equipment finance, deposits commonly range from nothing to around 20 per cent depending on the asset, its age and your trading history. For commercial property the deposit is substantially higher. The figure is set by the lender and the security, not by us.

A low doc loan uses a reduced document set, typically bank statements rather than full financials. It exists for businesses whose paperwork does not yet reflect their actual trading position, most often the self-employed, newer businesses, and businesses whose returns are not lodged. Low doc does not mean no checks. Lenders still verify turnover and still assess whether the loan can be serviced, and the rate usually reflects the reduced documentation.

Yes, this is a recognised use of business finance. Moving an ATO debt into a structured facility gives you a fixed repayment schedule instead of an open liability, and the ATO applies a general interest charge to outstanding debts. Whether it makes sense depends on what the finance costs you compared with what the debt is costing you now. Not every lender will fund tax debt, so it matters which one the application goes to.

A secured business loan is backed by an asset, such as commercial or residential property, equipment or a vehicle. That security generally means a lower rate and a higher borrowing limit. An unsecured business loan does not require physical collateral, so there is less to verify and the paperwork is lighter, but rates are generally higher because the lender carries more risk. We can compare both against your cash flow so you can see the real difference in cost.

Yes, and that is usually arranged as asset finance rather than a general business loan. Asset finance covers business vehicles, heavy machinery, medical equipment and office fit-outs, and the equipment itself serves as the security. Because of that it is often easier to arrange than an unsecured facility, and there may be tax treatment worth discussing with your accountant. See our equipment and asset finance page for the detail.

Stop waiting.
Just do it now.

No fee from us for arranging your finance. No obligation. A free consultation and practical resources.
Important information about this page

Broker services are provided at no cost to you in most cases, as we are paid a commission by the lender. Lender fees such as establishment, documentation and account-keeping charges may apply and are set out in your loan documents. Eligibility, loan amounts, terms and rates vary by lender, by industry and by individual circumstances, and are subject to change. Rates and product availability are current as at 1 September 2026. Confirm with us before relying on any figure on this page.

Lenders shown are those available through our panel. Displaying a lender does not mean every product from that lender is available to every applicant.

This page is general information only. It does not take your objectives, financial situation or needs into account. Business lending is generally not regulated by the National Credit Code, so the protections that apply to consumer credit may not apply. Loanity is a credit representative and can discuss your options once we understand your circumstances.