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Business loans can help Australian businesses manage cash flow, purchase stock, invest in equipment, cover temporary expenses or fund expansion. Different businesses need different loan structures, so the right option depends on how much you need, what the funds are for, how long you need them and how your business currently trades.
Formation Finance helps Australian businesses compare business loan options based on funding purpose, trading history, revenue, cash flow and repayment needs. We support businesses with:
| Your situation | Best fit |
|---|---|
| Access business funding without using property as security, subject to lender assessment and eligibility. | Unsecured Business Loans |
| Flexible funding for small businesses looking to manage cash flow, purchase stock, invest in equipment or support growth. | Small Business Loans |
| Shorter-term funding for temporary cash flow gaps, stock purchases, projects or seasonal business expenses. | Short Term Business Loans |
| Business finance designed for situations where funding speed is a priority, with streamlined assessment for eligible applications. | Fast Business Loans |
Borrow $5K–$500K based on your business’s cash flow — no property or major assets required as security. Assessed on bank statements and trading history, not real estate equity. Explore unsecured business loans →
Flexible working capital for cafés, retailers, trades, and service businesses — wages, stock, suppliers, equipment or growth. From 4 months trading history and $12K monthly revenue. Explore small business loans →
Funding for 3–12 month needs: seasonal stock, bridging a receivables gap, or clearing an ATO bill. Fixed repayments, no penalty for early payout. Explore short term business loans →
When timing is everything: 10-minute online application, bank statement verification instead of paperwork, indicative approval within 3 business hours, funds as soon as the next business day. Explore fast business loans →
A business loan is a type of finance designed to help businesses cover expenses, manage cash flow or invest in growth. Depending on the loan, funds may be used for purposes such as purchasing stock, upgrading equipment, hiring staff, covering short-term operating costs or expanding the business.
Business loans can come in different forms, including secured and unsecured loans, short-term finance and flexible working capital facilities. The right option will depend on factors such as how much funding your business needs, what the funds will be used for, how long you need the finance and your business’s current financial position.
Minimum eligibility: active ABN • 4+ months trading • $12,000+ monthly revenue
Typically $5,000 to $500,000 unsecured, business lines of credit up to $750,000, and up to $5,000,000 where director guarantees or partial security can be provided.
No, Our core business loan products are unsecured, see unsecured business loans for how assessment works without property.
Indicative approval within 3 business hours; funds as soon as the next business day. If speed is your priority, see fast business loans.
Terms start from just 3 months with no early repayment penalty — see short term business loans.
