Business term loan
Borrow a set amount and repay under an agreed schedule.
Keep in mind: Match the repayment schedule to realistic business cash flow.
Explore this option →Business · A CLEARER STARTING POINT
Business Acquisition Loan
Finance your next business chapter with a clear view of the purchase, your contribution and cash needed after settlement.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
A business purchase needs a funding budget beyond the headline price. Separate the assets, stock and goodwill being acquired from transaction costs and the cash needed to operate after settlement. Finance assessment and independent legal and accounting due diligence serve different purposes.
- Purpose
- Purchasing an existing business or business assets.
- How it works
- The proposal is reviewed against the purchase, buyer contribution, available records and repayment plan.
- Security to understand
- Security and any director or personal guarantees depend on the facility. Ask which assets and people would be exposed.
- Costs to compare
- Review interest, establishment and ongoing fees, repayment frequency, any early payout costs and the total amount payable.
A LITTLE MORE CLARITY
Different business needs. Different ways to fund them.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Line of credit
Draw funds up to an approved limit under the facility terms.
Keep in mind: Check drawdown rules, interest, fees and limit review conditions.
Explore this option →Invoice finance
Access funding connected to eligible unpaid business invoices.
Keep in mind: Customer quality, invoice disputes, fees and collections arrangements matter.
Explore this option →Trade finance
Fund supplies or orders within a business trading cycle.
Keep in mind: Check supplier payment dates, delivery risks and how the facility is repaid.
Explore this option →Equipment finance
Finance an identified business asset.
Keep in mind: Review ownership, security, ongoing costs and any final balloon payment.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
You are considering a business purchase and want to understand funding before making an unconditional commitment.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Finance approval does not confirm a business is a sound investment. Obtain legal and accounting advice.
business.gov.au: choosing funding ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
- The proposed contract, purchase-price breakdown and target settlement date.
- Available business financials, tax records and normalised cash-flow information.
- Your contribution, relevant experience and working capital needed after settlement.
- Lease transfer, licences, key contracts and any debts or security affecting the sale.
Business information
- ABN and entity details, ownership and how long the business has operated.
- Available accounts, BAS and business statements; the required periods will be confirmed.
Cash flow and commitments
- Existing finance balances, repayments and security arrangements.
- A cash-flow forecast showing expected receipts, expenses and seasonal changes.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
What should my acquisition funding budget include?
List the purchase price, stock adjustments, transaction costs and any equipment or premises work. Then allow for wages, rent, suppliers and other operating costs after settlement. Confirm which items a proposed facility will fund and which require your own contribution.
Does finance approval replace a business valuation or due diligence?
No. Arrange independent checks of financial records, assets, liabilities, contracts, licences and lease arrangements. A funding decision does not establish the value or future profitability of the business.
What helps you review a business purchase?
Bring the proposed price, business information, available financials and key dates. Explain your contribution and experience.
Should I sign before funding is confirmed?
Get advice on the purchase agreement and any finance condition before committing. An enquiry is not a funding commitment.
What if my business already has finance?
Tell us about existing balances, repayments and security arrangements. These are relevant to understanding the new request and your commitments.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →