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
Franchise Purchase Loan
Plan the full cost of your franchise, from purchase or setup through to opening and ongoing operations.
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.
Your business goal matters as much as the funding request. Tell us what you are planning, when you need it and how the business operates. Our team can explain the review process and supporting information.
- Purpose
- Buying or setting up a franchise business.
- How it works
- Discuss the purchase or setup costs, your contribution and the proposed business operation.
- 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 comparing the full cost of a franchise opening, including costs beyond the purchase price.
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
Franchise fees, royalties and working capital sit alongside loan repayments. Seek independent advice on the agreement.
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
Franchise proposal, setup budget, ongoing fees, contribution and available forecasts.
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 changes between buying an existing franchise and opening a new site?
An established site may have trading records to review, while a new site relies more on setup plans and forecasts. Both need a full budget covering the agreement, fitout, stock, training, opening costs and ongoing fees. Confirm any required franchisor and landlord approvals.
What franchise details should I have ready?
Bring the franchise proposal, purchase or setup budget, ongoing charges and key deadlines.
Does finance approval mean the franchise is a sound investment?
No. Seek independent legal and accounting advice on the franchise and its obligations before committing.
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 →