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 →Business · A CLEARER STARTING POINT
Small Business Loan
Put a defined business plan behind your funding request, with repayments matched against realistic cash flow.
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
- Funding a defined business expense or growth plan.
- How it works
- A term facility generally provides an agreed amount with scheduled repayments.
- 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
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 want to expand your business and need to compare the new repayments with existing expenses.
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
Check repayment frequency against the cash available after normal operating costs.
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 funding purpose, budget, preferred timing and expected benefit to the business.
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.
Why does repayment frequency matter to my business?
Daily, weekly and monthly payments affect cash flow differently. Compare the proposed payment dates with when the business actually receives money, and include existing finance and normal operating expenses in the budget.
What should I tell you about my business?
Your business activity, time trading, funding purpose and approximate amount are a useful start.
Can I enquire without a final funding amount?
Yes. Explain the goal and estimated budget so the team can clarify what information is needed.
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 →