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GET FINANCE TODAY!


Fast access to flexible funding solutions and a dedicated
business account to support cash flow and business growth.


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FINANCE FOR EVERY OPPORTUNITY


Get Quick access to cover expenses, to purchase your dream home, invest in your
business or countless other possibilities.

Borrow between $5,000 to $50,000,000

Flexible repayments and early payout available
Fast decision and funding possible in 24 hours

Fixed term between 3 and 60 months


WHERE WE SPECIALISE


Whether you're aiming to expand, acquire a new asset, or enhance cash flow, we
offer a variety of solutions for every business need. Discover more about our
products, rates, and terms by selecting an option below.


PERSONAL FINANCE


The easiest way to cover unexpected expenses with out a hassle of dealing with
banks.

Rates From 9%
Up To 5 Year Term
Up To $5mil
Funded Within
24 Hours

Get started


BUSINESS FINANCE


Give your business a quick boost to cover expenses like cash flow, staffing and
more.

Rates From 4.5%
Up To 5 Year Term
Up To $5mil
Funded Within
48 Hours

Get started


VEHICLE FINANCE


Whether your are looking to get your dream car or purchase on behalf of your
business.

Rates From 6%
Up To 5 Year Term
Up To $1mil
Funded Within
48 Hours

Get started


EQUIPMENT FINANCE


Designed to assist with acquiring equipment for construction or agriculture
purposes.

Rates From 6%
Up To 5 Year Term
Up To $5mil
Funded Within
48 Hours

Get started


PROPERTY FINANCE


Buying your first home, dream home or expanding your property portfolio.

Rates From 6%
Up To 5 Year Term
Up To $20mil
Funded Within
3-6 Weeks

Get started


COMMERCIAL FINANCE


Perfect for large scale projects, office, warehouses, medical facilities and
more.

Rates From 5%
Up To 5 Year Term
Up To $50mil
Funded Within
6-12 Weeks

Get started


GET STARTED



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Get A Quote


NO MORE BANKING HEADACHES


Simple - Transparent - Fast


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Get A Quote


EASY TO GET STARTED


Complete our pre-qualification process and get access to solutions from over 80+
lenders.

Explore the entire market, from specialty lenders to major banks.
Receive tailored solutions for any opportunity.

Powered by industry-leading technology that has assisted thousands of
businesses.
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FOCUS ON WHAT REALLY MATTERS


Let us do all the heavy lifting so you can continue to focus on what is
important to you.

Save time with a dedicated expert to assist you
Avoid all the red-tape and get funded within 24 hours
Find the best offer for you everytime
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LIFE LONG PARTNERSHIPS


We are here to help you at every stage, whether you are in the market for your
first home, covering unexpectd expenses, growing your business and so much more.
Over time our team will gain a dee understanding of your needs
Trust and reliability to get you what you need, when you need it
Consistent support to ensure you can always make informed decisions
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Get Started




PARTNERS

Access To Over 100+ Lenders



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Get A Quote



FREQUENTLY ASKED QUESTIONS

Types Of Loans
Why Finance?
Our Lenders
Credit Scores
The Process


WHICH TYPE OF BUSINESS LOAN SHOULD I CHOOSE?

Choosing the right loan depends on your business's current stage and goals. Our
lending experts specialise in identifying the optimal solution, lender, and rate
for your business, helping you move forward confidently.

We provide a variety of lending options for SMEs, such as asset finance, cash
flow finance, vehicle loans, and property loans. We take the time to understand
your business needs to find the perfect fit.




WHAT’S THE DIFFERENCE BETWEEN A SECURED AND UNSECURED BUSINESS LOAN?

Certain loans may necessitate 'security' or 'collateral,' such as real estate or
a vehicle, which the lender can use to recover losses if you default on
payments. This requirement encourages borrowers to make timely repayments,
knowing their assets or property are at stake.

The decision to impose collateral depends on the lender's evaluation of your
creditworthiness, which includes factors like your business history and credit
score.




WHICH TYPES OF LOANS DOES NEW MONEY OFFER?

We work with over 80 bank and non-bank lenders. Our ability to work with a
diverse range of lenders means we can offer a broad spectrum of loan products
from our partners, providing tailored solutions and competitive rates for our
customers.Currently, we offer the following financing options:

1. Debtor financing – Utilise unpaid invoices to access funds by transferring
debt to your lender.

2. Merchant cash advances – Repay your lender through future sales.

3. Commercial property finance – Various options available for purchasing or
developing commercial property.

4. Overdrafts – Linked to a bank account, allowing withdrawals even when the
account balance is zero.

5. Lines of credit – Flexible credit that can be accessed at any time, similar
to an overdraft but not tied to a specific account.

6. Business credit cards – Designed for business expenses with rewards and
points earning capabilities.

7. Equipment finance – Finance for purchasing equipment or vehicles to enhance
business operations.

8. Unsecured business loans – Short-term loans that do not require collateral.

9. Secured term loans – Loans backed by an asset as security for the lender.

10. Vehicle finance - Designed for helping you get your dream car for personal
or business use.

These options cater to diverse business needs, ensuring we can find the right
financial solution to support your business growth and operational requirements.




HOW WILL BUSINESS FINANCE BENEFIT ME?

Securing finance can effectively bridge cash flow gaps, facilitate business
expansion, or enhance daily operations.

Many business owners utilise finance as a safeguard against cash flow erosion or
to create additional breathing room, providing peace of mind and a sense of
control even amid unexpected circumstances.

Whether your goal is growth, problem-solving, asset acquisition, or reducing
business-related stress, we offer tailored solutions to meet your needs.




ARE THERE ANY DOWNSIDES TO TAKING OUT BUSINESS FINANCE?

Before finalizing any loan agreement, it's crucial to carefully consider several
factors:

1. Financial Liability: Taking out finance means assuming a liability. Even if
your business faces closure or bankruptcy, debts must be repaid. Evaluate
whether you can comfortably afford the loan amount, along with interest and
fees.

2. Risk of Collateral Loss: Loans typically require collateral. If you use
property or equipment as collateral and fail to meet repayment obligations, you
risk losing that asset. Creditors have legal recourse to claim it.

3. Impact on Credit Score: Acquiring a loan can initially lower your credit
score as it adds to your liabilities. However, consistent, timely payments can
improve your credit rating over time. If you seek additional financing from the
same lender, they may view you as a higher risk and may impose higher interest
rates on subsequent loans.

Understanding these considerations ensures informed decision-making when
securing financing for your business.




ARE BUSINESS LOANS TAX DEDUCTIBLE?

In Australia, business loans are not tax deductible, but the interest paid on
these loans is eligible for tax deduction. It's important to maintain records of
all business-related payments, including interest payments, as the Australian
Taxation Office (ATO) requires proof of these payments to validate your tax
deduction claims.




HOW DOES REFINANCING A BUSINESS LOAN WORK?

Refinancing involves replacing an existing loan with a new one, and there are
several reasons why you might consider this option:

1. Lower Loan Repayments: You aim to reduce the amount you pay each month on
your loan.

2. Mismatched Loan: Your current business loan no longer suits your current
business needs.

3. Renovation or Expansion: You want to upgrade or expand the commercial
property or equipment financed by the original loan.

4. End of Fixed Rate Term: The fixed interest rate period of your current loan
has expired.

5. Loan Consolidation: You prefer to merge multiple loans into a single loan for
easier management.

However, refinancing comes with additional costs including loan application
fees, borrowing costs, break costs, exit/discharge fees, valuation fees, and
settlement fees. These expenses can be substantial, so it's essential to
carefully weigh whether refinancing is financially beneficial for your
situation. Our lending experts are available to help you assess whether
refinancing is the right decision for your business.




WHICH LENDERS ARE AVAILABLE?

Our panel includes more than 80 lenders, encompassing major banks such as
Commonwealth, ANZ, NAB, and Westpac, as well as non-bank lenders like
PepperMoney and Prospa.




WILL TAKING OUT A BUSINESS LOAN AFFECT MY CREDIT SCORE?

Securing finance can positively impact your credit score, provided you
consistently meet repayment deadlines. Obtaining a business loan also has the
potential to enhance your overall financial well-being.

If you're uncertain about whether financing is suitable for your situation, our
service offers a valuable benefit: you can check your rates and eligibility for
finance without affecting your credit score. This means that conducting an
inquiry through our platform will not have any impact on your credit rating
whatsoever.




CAN I GET A BUSINESS LOAN IF I HAVE BAD CREDIT?

Some individuals believe that having a clean credit record or avoiding borrowing
altogether will reflect well on their credit score. However, lenders prefer to
see a history of borrowing and successfully repaying loans. They assess both
your business credit history and personal credit score when considering loan
applications. Lack of credit history can lead to loan denials for many.

To maintain a healthy credit score, business owners should consistently make
timely debt payments and keep their spending below their credit limits. Checking
your credit score with Australian credit bureaus like Experian and Equifax is
advisable.

If you discover a poor credit score, review your credit report for any
inaccuracies that need correction. It's beneficial to reduce existing debts
before applying for a new loan to improve your chances of approval.




WHAT SHOULD I KNOW BEFORE APPLYING FOR A BUSINESS LOAN? IS THERE ANYTHING I NEED
TO PREPARE IN ADVANCE?

Initially, it's essential to understand that different lenders have varying
requirements and focus areas when evaluating loan applications. While our
lending experts can guide you through the necessary documentation, if you choose
to apply independently, lenders typically request the following documents:

‍Identity and Business Information:
‍- Legal business name
- Australian Business Number (ABN)
- Business address and contact details
- Type of ownership (e.g., sole proprietorship, partnership, corporation)
- Current owners and their backgrounds
- Company history and background

‍Proof of Identity:
‍- Photographic identification (e.g., passport, driver’s license)
- Supporting identity documents (e.g., birth certificate, Australian citizenship
certificate, utility bills, council rates notice, ATO income tax notice)

‍Business Financial Health:
‍- Gross annual revenue
- Notice of tax assessments for the past two years
- Company tax returns for the past two years
- Client account documents
- Balance sheets and profit and loss statements for the past two years
- Proof of income (e.g., payslips, letters of employment)
- Business banking account number and recent balance

‍Assets for Security/Collateral:- Physical assets documentation (e.g., land,
buildings, equipment, vehicles with documents and photos)- Financial assets
documentation (e.g., stocks, bonds, cryptocurrencies)- Intellectual property
documentation (e.g., patents owned)

‍Other Business Ventures:
‍- Performance and financial status of other business ventures, if applicable

‍Liabilities and Debts:
‍- Details of existing debts (e.g., leases, overdrafts, loans, taxes)- Any other
financial obligations

‍Loan Repayment Plan:
‍- Financial analysis showing your ability to repay the loan regularly
- Detailed budget and cash flow analysis, including debt payment schedule,
accounts payable, and accounts receivable (prepared up to 90 days before meeting
with the lender)

Throughout the process, it's crucial to ask your lender about any uncertainties
you may have. If you encounter challenges, our lending experts are available to
provide assistance. Your confidence in your decision is paramount, and we are
committed to ensuring you understand all aspects of the loan terms thoroughly.




IS IT HARD TO GET A BUSINESS LOAN?

Yes and no.When assessing your loan application, lenders scrutinise your profile
to gauge your ability and willingness to repay them. This assessment involves
evaluating your past, present, and future financial situations.

‍Your past: Lenders review your business's profitability over the last five
years. They look into your borrowing history—whether you've borrowed before and
if you made timely repayments. A credit rating below 700 could present
challenges.

‍Your present: Lenders consider your current cash reserves and financial health.
They assess how organised and coordinated your business appears. They also take
note of any recent loan applications you've made.

‍Your future: Lenders want to understand your business plan. They evaluate how
the loan you're applying for will positively impact your business. They assess
your likelihood of meeting repayment deadlines based on your projected business
performance.

In summary, obtaining a business loan can be challenging if you have credit
issues, lack adequate collateral, or are perceived as unlikely to meet repayment
deadlines. Conversely, if your company has a strong credit history and financial
standing, you'll have better prospects for securing funding.





LET'S KEEP THE LIGHTS ON!


Get The Finance You Need To Grow Your Business, Purchase Your Dream Home, Cover
Expenses Or So Much More!

Schedule A Call
Get A Quote
Get Financing Today!
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