Term Loans
Flexible funding for your business
Whether you need working capital, expansion funding, or want to refinance existing debt, we'll find the right term loan structure from our panel of business lenders.
Common Uses
What can you use a term loan for?
Business expansion
Fund new locations, markets, or capacity increases.
Working capital
Cover operational costs, inventory, or seasonal fluctuations.
Debt refinancing
Consolidate existing debts or secure better terms.
Property purchase
Acquire commercial property for your business.
Options
Types of business loans
Different loan types suit different needs. We'll help you choose the right option based on your situation.
Secured Business Loan
Lower rates by using property or assets as security. Higher borrowing limits available.
Security
Property or assets
Amount
$50K - $5M+
Term
1-30 years
Unsecured Business Loan
No security required, faster approval. Higher rates but more accessible for many businesses.
Security
None required
Amount
$5K - $500K
Term
1-5 years
Line of Credit
Flexible access to funds as needed. Only pay interest on what you use. Can redraw repaid amounts.
Security
Varies
Amount
$10K - $1M+
Term
Ongoing
Overdraft
Linked to your business account. Access funds up to your limit to cover short-term needs.
Security
Varies
Amount
$5K - $250K
Term
Annual review
Requirements
What lenders look for
Requirements vary by lender and loan type. Traditional banks have stricter criteria, while fintech and non-bank lenders are often more flexible.
Check your eligibilityTrading history
Most lenders want to see 6-24 months of trading. Some fintech lenders accept newer businesses.
Financial statements
Recent BAS statements, tax returns, and/or management accounts depending on the lender.
Business plan
For larger loans, lenders may want to understand your business strategy and use of funds.
Security (for secured loans)
Property, equipment, or other assets. Personal guarantees are often required.
The Process
How we help you get funded
Initial discussion
We understand your business, funding needs, and timeline.
Document collection
We gather the required financials and business information.
Lender matching
We identify the best lenders for your situation and submit applications.
Approval & settlement
We manage the approval process and arrange settlement.
Timeline varies by lender - from 24 hours for some fintech lenders to 2-4 weeks for traditional banks.
Need business funding?
Let's find the right loan for your business
Book a free consultation and we'll discuss your options.