Finance · Australia
Business Loans Australia
Working capital, expansion, acquisition and cash-flow finance for established Australian businesses.
Quick answer
Business loans in Australia range from $10K unsecured up to $5M+ secured. OzyLoans arranges secured and unsecured business loans, equipment finance and cash-flow facilities from banks and non-bank lenders, with same-day approvals available for strong cash-flow scenarios.
Why Business Loans with OzyLoans
- Secured & unsecured up to $5M
- Same-day approvals available
- Fixed and variable
- ATO-debt scenarios accepted
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
Can I get a business loan with bad credit?+
Yes — non-bank and private lenders assess based on cash-flow, security and exit strategy more than credit score. Higher rates apply.
Do I need property security?+
Not necessarily. Unsecured business loans up to $500K are available with strong cash-flow and 12+ months trading.
Related finance
Ready to explore business loans?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.