Business Loans Australia
Unlock your business potential with flexible business loans. Get quick access to funds, competitive rates, and personalised service to help your business grow. Apply now and take the next step toward success!
Gear Your Business for Growth with the Right Funding
We offer comprehensive solutions for every business need. From short-term to larger, longer-term needs, we can help guide you in the right direction.
- Tailored Business Loans
- Loan amounts from $10,000 to $50M
- Short and Long-term Financing Available
- Quick Turnaround Times
- No-Doc and Low-Doc Options
- Bad Credit Loan Solutions
- Loans to Pay off Business Tax Debt
Quick Enquiry!
What is a Business Loan?
A business loan is a type of financing that provides funding to help businesses achieve their goals—whether it’s launching a new product, expanding operations, or managing working capital. With flexible terms and tailored options, business lending in Australia is a practical way to fuel your business ambitions.
How Does a Business Loan Work?
Small business loans in Australia work differently depending on the type. For traditional business loans, you’ll receive a lump sum of funds to be repaid with interest over a set period. The repayment schedule is typically structured with fixed or variable interest rates. Use the funds for working capital, emergencies, large purchases, or growth initiatives.
What We Offer
We offer a comprehensive suite of loans for business tailored to meet the unique needs of Australian businesses. Here are the different loans we offer:
- Unsecured Business Loan: Ideal for businesses without assets to secure against the loan, offering fast access to funding with flexible terms.
- Secured Business Loan: Leverage your business or personal assets to access larger loan amounts with competitive interest rates.
- Equipment Finance: Designed to help you acquire or upgrade essential equipment without straining your cash flow.
- Business Overdraft: A flexible line of credit to cover short-term expenses or manage unexpected costs.
- Invoice Finance: Unlock cash tied up in unpaid invoices to improve cash flow and meet immediate business needs.
- Trade and Import Finance: Tailored solutions to manage the costs of importing goods and products.
- Fitout Finance: Specialized loans to fund renovations, refurbishments, or new fitouts for your business space.
- Business Property Development Loan: Secure funding for development projects, from planning to construction.
- Industry Business Loans: Access customised loans for businesses in specific industries like manufacturing or construction.
- Second Mortgage Business Loans: Access additional funding by leveraging the equity in your property through a second mortgage.
- Business Debt Consolidation: Simplify your finances by combining multiple debts into a single, manageable loan.
- Tax Debt Loans: Manage ATO obligations with tailored loans designed to clear outstanding tax debts.
- Business Private Lending: A flexible alternative to traditional financing, perfect for businesses needing fast, customised solutions.
Business Loans: How Much Can I Borrow?
The amount you can borrow for small business lending depends on several factors, including your business’s financial health, credit score, and the type of loan you choose. At Dark Horse Financial, we assess your unique situation to offer a loan that matches your needs. We can help you access loans starting from $10,000 up to $50 million.
Understanding Business Loan Interest Rates
Interest can vary based on factors like the type of loan, your credit history, and whether the loan is secured or unsecured. Our team will work closely with you to understand your business needs and find a loan with an interest rate that aligns with your financial goals.
Why Choose Dark Horse Financial for Business Lending in Australia?
Business Loan Expertise
With over a decade in the business, we’re experts in all things business loans. We understand the unique challenges Australian businesses face and how to address them with comprehensive lending solutions.
Wide Network of Lenders
We maintain a large network of lenders, allowing us to find the perfect fit for you. Our connections also allow us to negotiate the best terms on your behalf.
Tailored Solutions
Every business is unique, that’s why financing solutions should be customised to address specific needs. We’ll help you find tailored solutions to ensure that your needs are met.
Continuing Support
Our services don’t stop after loan settlement. We’re committed to staying with you as your business grows and your needs evolve.
How To Find the Best Business Loan Lenders
Choosing the right business loan lender can help you find financing that supports your goals without unnecessary stress. Here are some tips to help you identify the best lender for your business:
- Understand Your Business Needs: Determine the amount of funding you need and how you plan to use it. Whether it’s for expansion, equipment, or cash flow, knowing your purpose will help narrow down lenders offering relevant products.
- Compare Loan Types and Features: Look at the range of loans offered, such as unsecured loans, equipment finance, or business overdrafts. Consider features like repayment flexibility, interest rates, and loan terms.
- Check Interest Rates and Fees: Competitive interest rates can save your business money in the long term. Be sure to ask about any fees, such as application or early repayment charges.
- Seek Professional Help: Loan experts like Dark Horse Financial can do the legwork for you. With our wide network of lenders and business loan experience, we have access to the best lenders with the lowest rates and most favourable terms. With our help, you can secure the best loan for your needs.
How to Apply for a Business Loan?
Getting business financing in Australia is straightforward with Dark Horse Financial. Follow these simple steps:
- Reach Out to Us: Fill up our online form or give us a call to get started. Tell us your borrowing needs and we’ll help you find the right solution.
- Loan Assessment: We’ll review your needs and situation and match you with the best lender. We’ll make sure to get you the best rates and terms.
- Submit Your Application: We’ll submit your application along with the required documents.
- Approval and Funding: Once the loan is approved, receive the funds quickly to start putting them to work.
Explore Your Options with Our Business Loan Calculator
Want to know how much you can borrow for a business loan or what your repayments might look like? Our Business Loan Calculator is a powerful tool to help you plan your finances and choose the right loan for your business. Just input the information like your loan amount and interest rate and find out how much you’ll pay in monthly repayments and interest over the life of the loan. Try it here:
Business Loan Calculator
Results
Your Repayment: $0
Total Repayment: $0
Total Interest: $0
Note: These calculations are estimates and do not include any fees or charges such as establishment or service fees. The results are for guidance purposes only and do not constitute a loan offer.
Real Business Loan Success Stories
Here’s how we helped our clients with their business financing needs:
Equipment Finance Case Study
Our client had purchased manufacturing machines at auction they knew they could repurpose and create a product they needed to previously import from overseas. Once operational, the capability as the only producer in Australia would give them a competitive advantage.
Requiring $600,000 to bring the assets online, the business owner had been told by a previous expert they would need to put the family home on the line to raise the level of capital required. We could see a solution that didn’t require property. Looking at the business owners asset register we were able to raise $600k against their existing machinery assets using forecasted earnings to demonstrate serviceability.
Cash Flow Loan Case Study
A manufacturer, wholesaler, and retailer of quality home products came to us seeking funding for a bespoke software solution. Looking at their major bank loans, they asked us to review all of their credit facilities which consisted of secured and unsecured term debt totalling $1.8M, a trade finance line of credit with a $750k limit, and a $100k business credit card.
While being a strong, well-established business, they were concerned with the potential for a downturn in consumer spending over the next 6 months and were open to improving their business cash flow if a change in the bank could support a material difference.
Cash Flow Loan Case Study
Our client came to us after months of delays with their existing bank seeking a line of credit to support their business plans. Despite clearly being profitable and having the upside to their business, their existing bank couldn’t deliver a line of credit that didn’t involve taking security over director property.
Second-tier unsecured lenders offer both term loans and unsecured overdrafts or lines of credit, but so do major banks. Provided servicing stacks up for the bank facilities along with other business lending criteria, lines of credit can be secured with accounts receivable or with directors’ guarantees—neither of these arrangements requires property security by default.
Understanding our client’s business, we positioned an application with our recommended bank and achieved approval for a $1.5M overdraft limit within a week of submission.
FAQs for Business Loans in Australia
The approval times can vary depending on the loan type and lender. Same-day funding is possible in less than 24 hours under certain circumstances and specific lenders. As a general rule, low-doc or no-doc applications are the fastest, while full-doc bank applications take the longest.
Yes, start-up businesses can access small business loans in Australia, provided that they pledge assets as security. Startups can access secured loans, equipment finance, invoice finance, trade and import finance, and secured overdrafts depending on cash flow forecasts and the Director’s personal position.
Business investment loans are designed to help business owners fund major investments such as purchasing equipment, property, or other capital expenditures. These loans provide the capital businesses need to grow and expand operations and can range from $10,000 to $50M in size.
No, not always. In many cases, you don’t need property security to obtain a business loan. While it can sometimes be advantageous to offer property security for a business, there are many business loan solutions that don’t require directors to offer up property.
Yes, business debt consolidation loans can help streamline multiple debts into one manageable repayment, often with a lower overall interest rate.
Yes, it’s possible to apply for a business loan with bad credit. While traditional lenders may have stricter requirements, alternative lenders can help you secure loans tailored for businesses with bad credit.
Determine your borrowing needs and look for lenders that can address them. Look for lenders that can give you the best rates and terms and can deliver funds within your timeline. Our team can help you evaluate your needs, compare loan options, and select the best solution for your business goals.
