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
Working Capital
Bridge the gap between business expenses and incoming receipts with a funding plan built around your cash cycle.
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
- Covering the timing gap between business expenses and incoming cash.
- How it works
- The structure depends on whether the gap is temporary, seasonal or recurring.
- 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
Stock must be ordered before a busy period, but customer receipts are expected later.
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
Borrowing alone may not resolve ongoing trading losses. Review the cause of the shortfall.
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
Payments due, expected receipts, a cash-flow forecast and current commitments.
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.
How do I estimate the cash-flow gap I need to fund?
Map when wages, rent, suppliers and other payments fall due against realistic customer receipts. Include existing repayments and seasonal changes. The aim is to understand the size and duration of the gap, not simply the largest available borrowing amount.
What should I explain about the cash-flow gap?
Tell us what payments are due, when income is expected and whether the gap is temporary or recurring.
Can I discuss seasonal business needs?
Yes. Explain your busy and quieter periods and any existing commitments. Forecasts help show the timing, but future sales are not guaranteed.
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 →