Business loans and working capital, matched to how you actually trade.

What is a business loan?

A business loan is funding advanced to your business rather than to you personally — assessed on how the business trades, not just what you earn.

It might arrive as a lump sum you repay over a fixed term, or as a revolving facility you draw against and repay as cash flow allows. What it funds is almost anything a business legitimately needs money for: buying stock, covering a tax or BAS bill, bridging the gap while invoices are outstanding, hiring ahead of growth, or consolidating messy, expensive debt into one cleaner facility. Because it's judged on trading performance, a strong business can often borrow more — and more cheaply — than the owner could personally.

The finance we arrange

"Business loan" is a broad label. Matching the right structure to the need is most of the value a broker adds:

• Term loans — a lump sum over 1–5 years for a defined purpose: expansion, fit-out, a large purchase, or refinancing existing debt.
• Working capital & cash-flow loans — shorter facilities that smooth the timing gap between money going out and coming in.
• Lines of credit & overdrafts — revolving headroom you draw and repay repeatedly, paying interest only on what you use.
• Debt consolidation — rolling several costly facilities into one, to cut the total cost and free up cash flow.
• Unsecured loans — funding without pledging property, sized on turnover and trading history.

Secured vs unsecured

The biggest fork is whether you offer security. It's the lever that most changes your limit, rate and speed.

Most businesses don't need to choose in the abstract — we run the scenario across the lenders we can access and show which structure actually prices and approves best for your situation.

Rates & what drives your pricing

There's no single "business loan rate" in Australia. The same business can see very different offers across lenders. What moves your rate:

• Security — property-secured lending prices sharpest; unsecured carries a premium.
• Trading history & turnover — longer, steadier trading and stronger cash flow earn better pricing.
• Serviceability — how comfortably your cash flow covers the repayment.
• Credit profile — the business's and directors' credit standing.
• Lender fit — each lender has an appetite; the right match is often the difference between a sharp rate and a decline.

Any figures on this page are indicative only and do not constitute a formal finance offer or approval.

How much can you borrow?

Unsecured facilities are generally sized to a share of monthly turnover — often around one to two months' — while secured and asset-backed lending is driven by the value of the security and can run well into the millions. Turnover, trading history, existing commitments and serviceability all shape the final number. The repayment calculator below is a good way to sanity-check what a given amount costs each month before you apply.

What lenders look for

Approval usually comes down to a few clear signals: an active ABN with a reasonable trading history, turnover that comfortably services the facility, clean recent bank conduct, and — for secured lending — acceptable security. A tidy, well-presented application moves faster and prices better, which is exactly what a DeMarque broker packages for you before anything is lodged.