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Free tool · Loan Finder

Loan Finder A–Z

Every business loan type we cover — 55 of them — in one searchable directory. Filter by what the money is for, what you can offer as security, how quickly you need it and how much.

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55 loan types

ATO debt loans Clear or restructure a tax debt and stop the general interest charge building. Flexible — depends on the dealQuicker to arrange Also: Tax debt loan · BAS loan · Tax bill finance Bad credit business loans Past defaults or a declined bank application don't automatically end the conversation. Flexible — depends on the deal Also: Impaired credit loan · Credit-impaired finance Bridging loans Covers the gap between buying one thing and selling or refinancing another. Property (home or commercial)Quicker to arrange Also: Bridging finance · Gap finance Business acquisition loans Fund the purchase of an existing business, its goodwill and its stock. Flexible — depends on the deal Also: Buy a business loan · Business purchase finance Business debt consolidation Roll several expensive repayments into one you can plan around. Flexible — depends on the deal Also: Consolidation loan · Debt restructure Business expansion loans Open a second site, hire a team or chase a new market. Flexible — depends on the deal Also: Growth loan · Second site finance Business line of credit A limit you draw on, repay and draw again — interest only on what you use. Flexible — depends on the dealQuicker to arrange Also: Revolving credit · Line of credit · LOC Business overdraft A buffer attached to your transaction account for short dips below zero. Flexible — depends on the deal Also: Overdraft facility · Bank overdraft Business vehicle finance Cars, utes and vans for the business, with the vehicle as security. The asset itselfQuicker to arrange Also: Business car loan · Ute finance · Van finance Cash flow loans Sized on turnover and bank statements to smooth out the gap between bills and income. No property neededQuicker to arrange Also: Cashflow finance · Cash flow lending Caveat loans Short-term money secured by a caveat lodged on the title instead of a full mortgage. Property (home or commercial)Quicker to arrange Also: Caveat finance · Caveat lending Chattel mortgage You own the asset from day one; the lender holds a security interest over it. The asset itselfQuicker to arrange Also: Goods mortgage Commercial property loans Buy or refinance shops, offices, factories and warehouses. Property (home or commercial) Also: Commercial mortgage · Factory loan · Warehouse loan Construction finance Money released in stages as a build progresses. Property (home or commercial) Also: Construction loan · Progress-payment loan Contract and tender funding Mobilise staff and materials for a contract before the first payment lands. Flexible — depends on the dealQuicker to arrange Also: Contract finance · Mobilisation funding · Tender finance Debtor finance An ongoing facility against your whole debtor ledger that grows with sales. Invoices, stock or orders Also: Factoring · Receivables finance · Debtor ledger finance Development finance Funding for subdivisions, townhouses and small to mid-size developments. Property (home or commercial) Also: Property development loan · Mezzanine finance · Residual stock loan Emergency business loans When a flood, fire, broken machine or lost contract hits without warning. Flexible — depends on the dealQuicker to arrange Also: Crisis loan · Disaster recovery loan Equipment finance Spread the cost of machines, tools and tech over their working life. The asset itselfQuicker to arrange Also: Asset finance · Plant and equipment loan · Hire purchase Equity release for business Unlock equity in property you already own and put it to work in the business. Property (home or commercial) Also: Cash-out refinance · Equity loan Export finance Bridge the long wait between shipping overseas and getting paid. Invoices, stock or orders Also: Export loan · Export working capital Fast second mortgages A second mortgage arranged on a short timeline when a deadline won't wait. Property (home or commercial)Quicker to arrange Also: Quick second mortgage · Urgent second mortgage First mortgage business loans The lender holds first place on title — usually the largest amounts and longest terms. Property (home or commercial) Also: Business mortgage · Registered first mortgage Fit-out finance Kitchens, counters, joinery and the build-out of new premises. Flexible — depends on the deal Also: Shop fit-out loan · Office fit-out finance · Refurbishment loan Franchise finance Buy into a franchise system, fund the fit-out and get through the first months. Flexible — depends on the deal Also: Franchise loan · Franchise fee funding Green business loans Solar, batteries, electric vehicles and efficiency upgrades that cut running costs. The asset itself Also: Solar finance · EV finance · Energy efficiency loan Import finance Pay overseas suppliers, freight and duty before the container lands. Invoices, stock or ordersQuicker to arrange Also: Import loan · Letter of credit funding Inventory finance Borrow to buy stock, with the stock itself part of the picture. Invoices, stock or ordersQuicker to arrange Also: Stock finance · Floor plan finance Invoice finance Turn unpaid invoices into cash now instead of in 30, 60 or 90 days. Invoices, stock or ordersQuicker to arrange Also: Invoice discounting · Single invoice finance Land loans Buy or borrow against vacant land, rural blocks and sites awaiting approval. Property (home or commercial) Also: Vacant land loan · Land bank finance Low doc business loans Borrow on BAS, bank statements or an accountant's letter when tax returns lag. Flexible — depends on the dealQuicker to arrange Also: Low documentation loan · Alt doc loan · No financials loan Machinery finance Excavators, loaders, tractors and production lines. The asset itselfQuicker to arrange Also: Earthmoving finance · Yellow goods finance · Farm machinery finance Partner buyout loans Buy out a partner, shareholder or retiring owner without stalling the business. Flexible — depends on the deal Also: Shareholder buyout · Management buyout · Succession finance Payroll and wages funding Keep wages and super flowing when a big customer pays late. Flexible — depends on the dealQuicker to arrange Also: Payroll loan · Wages loan · Super funding Private business loans Non-bank lenders who assess the deal and the security, not just the credit score. Property (home or commercial)Quicker to arrange Also: Private lending · Non-bank business loan · Private mortgage Professional practice loans Buy into, set up or expand a medical, dental, legal or accounting practice. Flexible — depends on the deal Also: Medical practice loan · Dental practice finance · Accounting practice loan Purchase order finance Fund the supplier so you can say yes to an order bigger than your bank balance. Invoices, stock or ordersQuicker to arrange Also: PO finance · PO funding Refinancing a business loan Replace a facility that no longer fits — better structure, longer term, fewer lenders. Flexible — depends on the deal Also: Business loan refinance · Switch business lender Refinancing out of a private loan Plan the exit from short-term private money into longer, cheaper-to-run finance. Property (home or commercial) Also: Exit finance · Private loan refinance Revenue-based finance Repayments flex with your daily sales or card takings. No property neededQuicker to arrange Also: Merchant cash advance · Card takings loan · EFTPOS loan Rural and farm business loans Seasonal income, land, livestock and machinery — finance that understands the farm calendar. Flexible — depends on the deal Also: Agribusiness loan · Farm loan Seasonal business loans Get ready for the busy months and ride out the quiet ones. Flexible — depends on the dealQuicker to arrange Also: Seasonal finance · Peak season funding Second mortgage business loans Borrow against equity sitting behind your existing home loan without refinancing it. Property (home or commercial)Quicker to arrange Also: Second charge loan · Second ranking mortgage Short-term business loans Borrow for weeks or months to cover a specific, time-limited need. Flexible — depends on the dealQuicker to arrange Also: Short term loan · 3 to 12 month loan Short-term property-secured loans Property-backed money for months, not decades, with a clear exit planned from day one. Property (home or commercial)Quicker to arrange Also: Short-term secured loan · Interim finance Small business loans The main options for sole traders, partnerships and smaller companies. Flexible — depends on the dealQuicker to arrange Also: SME loan · Sole trader loan Start-up business loans Funding a business with little or no trading history — what's realistic. Flexible — depends on the deal Also: New business loan · Startup finance Supply chain finance Stretch your payment terms while your suppliers still get paid on time. Invoices, stock or orders Also: Supplier finance · Reverse factoring Technology finance Computers, servers, POS systems, phones and software roll-outs. Flexible — depends on the dealQuicker to arrange Also: IT finance · Computer finance · POS finance Trade finance Pay suppliers now and repay once the goods have sold. Invoices, stock or ordersQuicker to arrange Also: Trade funding · Trade loan Tradie business loans Tools, utes, materials and the wait for progress claims to be paid. Flexible — depends on the dealQuicker to arrange Also: Trade business loan · Builder loan · Contractor finance Truck finance Rigid trucks, prime movers, tippers and trailers — new or used. The asset itselfQuicker to arrange Also: Truck loan · Prime mover finance · Trailer finance Unsecured business loans No property on the line — typically $5,000 to $500,000 for trading businesses. No property neededQuicker to arrange Also: No security business loan · Collateral-free loan Using your home to secure a business loan How residential security works for business borrowing, and what to weigh up first. Property (home or commercial)Quicker to arrange Also: Residential-secured business loan · Home equity business loan Working capital loans Fund the day-to-day engine: stock, wages, rent and the wait for customers to pay. Flexible — depends on the dealQuicker to arrange Also: Working capital finance · Operating capital loan

How to use the Loan Finder

Australian business finance has a lot of names for a small number of ideas. The Loan Finder puts every one of them on a single shelf so you can narrow the list in seconds. Start with the filter that matters most to you. If you know what the money is for — clearing a tax bill, buying a ute, paying an overseas supplier — choose that purpose first. If you already know what you can offer as security, such as a home with equity or nothing at all, pick that instead. Each card links to a full page explaining how that loan works, who it suits, what lenders check and the mistakes to avoid.

The search box understands the alternative names people use. Type "factoring" and you'll find debtor finance; type "merchant cash advance" and revenue-based finance appears; "yellow goods" brings up machinery finance. If the term you searched for isn't here at all, the A–Z index lists every name and alias in alphabetical order.

What the filters mean

  • Money is for groups loans by the job they do: cash flow and working capital, tax bills and debts, equipment and vehicles, stock and invoices, property and projects, or buying and growing a business.
  • Security tells you what usually backs the loan. Property-secured lending runs from $20,000 to $5,000,000. "No property needed" covers unsecured and cash flow lending, typically $5,000 to $500,000 sized on turnover. Asset finance is secured by the thing being bought; trade and invoice finance by your receivables or stock.
  • Turnaround highlights loan types that generally involve less paperwork when your documents are ready. It's a guide, not a promise of a particular timeframe.
  • Amount hides loan types that don't usually stretch to the figure you need.

Why there are no rates

Every loan is priced on the borrower's circumstances: the security, the purpose, the term, the credit history and the strength of the business. A table of headline figures would mislead more people than it helped, so we explain the full cost of any option in dollars once we understand your situation.

Narrowed it down?

If you've got two or three cards that look right, the which-loan matcher ranks them against your answers to five quick questions. Or go straight to a specialist: a 60-second enquiry is all it takes, with no credit check when you enquire.

No credit check to enquire

Looking up a loan and asking about it leaves your credit file untouched. A check only comes up later, if you choose to apply.

Not shopped around

We don't auction your enquiry to a crowd of lenders. One person reads it and points it at the option that actually suits.

A real person on your file

Someone who knows the whole A to Z of business lending calls you back. Honest form answers mean the right shelf first time.

Frequently asked questions

How many loan types are in the Loan Finder?

All 55 loan types on the site, from bridging loans to working capital, plus their alternative names in the search.

Does using the Loan Finder affect my credit?

No. It runs entirely in your browser and asks for nothing personal. Enquiring afterwards doesn't involve a credit check either.

Why doesn't it show interest rates?

Because every loan is priced on the borrower's circumstances. A published rate would mislead more people than it helped.

What does 'quicker to arrange' mean?

It flags loan types that generally involve less paperwork and assessment when your documents are ready. It isn't a promise of a particular timeframe.

I've found two or three that fit. What next?

Try the five-question matcher to rank them, or send a 60-second enquiry and a specialist will tell you which suits your situation.

Tell us the job, we'll find the shelf

One short enquiry, no credit check when you first enquire, and a single specialist who reads it properly and calls you back.

No credit check to enquire

Not shopped around

A real person on your file