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The right capital
for your moment.

One lender, four ways to borrow. Tell us what you're trying to do and we'll match you to the structure that makes the most sense for your business.

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Business Loans → Equipment Finance → Invoice Finance → Line of Credit →
Business Loans

Fast capital when
you need to move.

Our most requested product. A fixed-term loan from $10,000 to $200,000, assessed on the actual performance of your business — not just a credit score. No property to pledge. A decision the same day, money the next. Repayments are structured around your cashflow — higher in strong months, lower in quieter ones — or fixed if you prefer it that way.

$10K–$200K
Loan amount
3–12 months
Loan term
Same day
Approval & funding
Best for
Managing cash flow between invoices and payments
Purchasing stock or inventory in bulk
Funding a marketing campaign or expansion
Covering payroll during a slow period
Seizing a time-sensitive business opportunity
Bridging until a large payment arrives
Calculate repayments Talk to us first
What you'll need
Eligibility requirements
Australian registered business (ABN required)
Minimum 6 months trading
$10,000+ average monthly revenue
3 months of bank statements
Business purpose for the funds
Rate
On application
Simple interest. No hidden fees. Repayments flex with your cashflow or stay fixed — your choice.
Equipment Finance

Own the tools that
build the business.

Finance the equipment, vehicles, or technology your business needs without tying up your working capital. Repayments are fixed to the life of the asset — so the thing you bought helps cover what it costs.

Up to $250K
Finance amount
12–60 months
Repayment term
Fixed rates
No variable surprises
Types of equipment we finance
Commercial vehicles — utes, vans, trucks, forklifts
Manufacturing and trade machinery
Office technology and IT infrastructure
Restaurant and hospitality fit-outs
Medical and dental equipment
Construction and earthmoving equipment
Get a quote Speak to someone
What you'll need
Eligibility requirements
Australian registered business (ABN required)
Minimum 12 months trading
Quote or invoice for the equipment
3–6 months of bank statements
Asset used primarily for business purposes
Approval in
24–48 hours
Equipment financed and delivered without delay.
Invoice Finance

Your invoices are
worth money today.

You've done the work. You shouldn't have to wait 30, 60, or 90 days to be paid for it. We advance up to 85% of your outstanding invoice value within 24 hours — converting confirmed revenue into cash you can use today.

Up to 85%
Of invoice value advanced
24 hours
Funding after approval
30–120 days
Facility terms
Best for
B2B businesses with long debtor payment terms
Businesses growing faster than cashflow allows
Trades and contractors awaiting project payment
Government and large-enterprise suppliers
Wholesalers managing large single invoices
Businesses that want to offer clients better terms
Enquire now See how it works
What you'll need
Eligibility requirements
B2B invoices only (not B2C)
Creditworthy and identifiable debtors
Invoices for completed goods or services
Minimum invoice value $5,000
No existing charge over the receivables
Fee from
1.5% / 30 days
Only charged on the advanced amount, for the days outstanding.
Line of Credit

Draw what you need.
Pay for what you use.

An approved credit limit up to $100,000 that stays available for 12 months. Draw what you need, repay it, draw again — without starting the process over. You only pay a monthly fee on what you've drawn. Nothing drawn, nothing owed. Built for businesses where the demand for capital doesn't follow a neat schedule.

$5K–$100K
Credit limit
12 months
Revolving facility
Monthly fee
On drawn balance only
Best for
Seasonal businesses with predictable revenue peaks
Businesses managing irregular expense timing
Covering short-term payroll or supplier gaps
Businesses that want capital ready before they need it
Ongoing working capital support without re-applying
Retailers managing inventory cycles
Apply for a facility Ask a question
What you'll need
Eligibility requirements
Australian registered business (ABN required)
Minimum 12 months trading
$7,000+ average monthly revenue
6 months of business bank statements
Established trading pattern with consistent revenue
Rate
On application
Only on the amount drawn. Zero cost when not in use.

Compare all four products

Business Loan Equipment Finance Invoice Finance Line of Credit
Amount $10K–$200K Up to $250K Up to 85% of invoice $20K–$150K limit
Term 3–12 months 12–60 months 30–120 days per invoice 12-month revolving
Rate type Simple interest, cashflow-flexible or fixed Fixed rate Fee per 30 days Monthly fee on drawn balance
Rate On application On application On application On application
Approval time Same day 24–48 hours 24 hours after invoice check 2–3 business days
Min. trading 6 months 12 months 6 months 12 months
Min. monthly revenue $10,000 No minimum Invoice dependent $15,000
Collateral Unsecured (most cases) Asset is security Invoices are security May require debenture
Best for Working capital & growth Asset acquisition B2B cash flow gaps Ongoing flexibility
Not sure which fits?

Let us point you in
the right direction.

Tell us what you need and we'll point you to the right structure — takes about 10 seconds.

What do you primarily need funding for?
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Ready when you are

Find out if you qualify
in under 3 minutes.

No credit impact, no commitment. Answer a few questions and we'll tell you what's available for your business.

Check eligibility Speak to someone