Get the best business loan you need to do business the way you really want!
Get the funding you need to do business the way you really want. Manage cash flow, invest in your business, and fund growth with our range of loans for businesses of any size.
Manage and grow your business with Australian business financing.
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
What is a business loan?
A business loan is a type of financing that provides funding to help cover any business expense. Traditional business loans usually give you a lump sum, which you’ll repay regularly with interest over a set period.
You can use the funds to pay for just about any commercial purpose, including paying for daily operations, dealing with emergencies, buying equipment, expanding operations, or paying off tax debt.
With a large variety of loans and lenders available, we can help you customise a solution that fits your cash flow and goals.
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.
Get business loans suited to your needs.
Get standard corporate loans for every stage of growth.
- Unsecured Loan Business: Get fast loans up to $4 million with no assets needed for security.
- Secured Business Loans: Use your business or personal assets to borrow more and get lower interest rates.
- Quick Business Loans: Deal with time sensitive expenses with loans that can be approved within hours.
Make payroll, fund equipment purchases, and pay suppliers with line of credit options.
- Equipment Finance: Purchase or upgrade essential equipment without straining your cash flow.
- Business Overdraft: Get cash on demand to cover short term expenses or manage unexpected costs.
- Invoice Finance: Borrow against the value of your unpaid invoices while waiting for customers to pay.
- Trade and Import Finance: Pay for the purchase of material goods from overseas and domestic suppliers.
Get specialised loan options for specific business needs.
- Fitout Finance: Fund renovations, refurbishments, or new fitouts for your business space.
- Startup Business Loan: Get secured loan options for businesses trading for less than a year.
- 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: Get additional funding by leveraging the equity in your property through a second mortgage.
Get loans to relieve the pressure and get back to running your business.
- Business Debt Consolidation: Combine several debts into one loan to help simplify your finances.
- Tax Debt Loans: Pay off any outstanding tax debt and avoid penalties and legal action from the ATO.
- Business Private Lending: Get fast loans from private lenders, avoiding strict criteria and red tape from traditional lenders.
How much can I borrow?
Your credit score, the type of loan you choose, and the financial position of your business all affect how much you can borrow. Dark Horse Financial will help you figure out what you need and then offer you a product that fits your needs. We can help you get loans that range from $10,000 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?
Here’s why we’re the top choice for business loans in Brisbane, Melbourne, and anywhere in Australia.
Expertise in Business Loans
We’ve been in the business for more than ten years, so we know everything there is to know about business loans. We know what problems Australian businesses face and how to solve them with lending solutions.
Access to Different Lenders
We have a lot of lenders in our network, so we can find the right one for you. We can also get you the best terms because of our connections.
Solutions That Fit Your Needs
Every business is different, so financing options should be tailored to meet those needs. We’ll help you find solutions that are just right for you so that your needs are met.
Ongoing Help
Our services don’t end after loan settlement. We promise to be there for you as your business grows and your needs change.
How fast can my business financing in Australia be approved?
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 (especially for secured loans) take the longest.
What are corporate loans interest rates?
Depending on the type of loan, your credit history, and whether the loan is secured or unsecured, the interest rate can change. We’ll work closely with you to learn about your business needs and help you get the best interest rates possible for your situation.
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:
- 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.
- 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.
- We’ll submit your application along with the required documents.
- Once the loan is approved, receive the funds quickly to start putting them to work.
Use our business loan calculator
Do you want to know how much you can borrow for a business loan or what your payments might look like? You can use our business loan calculator to figure out how much funds you need and which loan is best for your business. Simply enter your loan amount and interest rate, and you’ll see how much you’ll pay in monthly payments and interest over the life of the loan. Give it a try 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
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, you can get a business loan even if you have bad credit. Traditional lenders can have stricter requirements, making it difficult to get loans from them if you have bad credit. However, alternative lenders can help you since they have less strict criteria.