A bank-backed fintech
Sharpest pricing for 2+ year old businesses with strong ATO history.
Unsecured business loans up to $500k, with fast decisions and honest pricing. Good for growth capital, inventory, acquisitions.
SME loans cover the middle ground between a personal credit card and a secured business facility. Typically unsecured, typically fast, typically 1 to 5 year terms - ideal for inventory, marketing, hiring, a small acquisition, or one-off growth moments.
We work with both bank-backed fintechs (slower but cheaper) and pure alt-lenders (faster but pricier). Which one we recommend depends on what you actually need - money in 48 hours or money at the sharpest rate.
No property or asset security required. Personal guarantee almost always applies.
For established businesses with 1-2 years trading, decisions come back fast.
6 months to 5 years, weekly, fortnightly or monthly repayments.
We'll lay out APRs, not just factor rates, so you can actually compare.
What's the money for? Timeline? Repayment horizon? 15-minute call.
Typically 2-3 options with indicative terms.
Mostly digital. 6 months of business bank statements and ATO portal access.
As little as 48 hours. Repayments start on the schedule you've chosen.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Sharpest pricing for 2+ year old businesses with strong ATO history.
Fastest decisions, higher rates. Good for time-sensitive opportunities.
For businesses with irregular cashflow or short trading history.
Needed $120k to hire three engineers for a new contract. Fintech approved in 26 hours. Paid back over 18 months without touching the personal assets.
For ongoing cashflow, not one-off growth.
Learn more →Funding against invoices.
Learn more →If the money's for kit.
Learn more →Most lenders want 12+ months ABN, $500k+ annual turnover, clean ATO history. Some go softer, some harder.
7-20% depending on lender, risk and term. Fintechs at the low end, alt-lenders at the higher end.
Usually, yes. Daily or weekly repayments calculated on a factor basis.
Most SME loans allow early payout, often with a reduced total cost. Check the fine print - some charge break fees.
Yes - a personal guarantee is almost always required, which means a check on your personal file.
Yes - small acquisitions often funded this way. Bigger deals typically need secured finance.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm