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Business Finance - $5k to $5m

Business Loans Sydney
- secured, unsecured & low doc

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Working capital, equipment, fit-out, expansion or buying out a partner - we structure the facility against the right lender for your trading profile, not just the one your bank happens to offer.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Sydney business owners who need capital for a specific purpose and want the structure that gets a clean approval first time.

Sole traders, Pty Ltd companies, trusts and partnerships
Trading 12+ months with consistent turnover
ATO debt tolerable with a payment plan in place
Need unsecured $5k-$500k or secured $200k-$5m
Previously declined by your main bank
Working with multi-entity structures (trading co + property co + income support co)

The real challenge

Most Sydney businesses hit the same wall: the main bank wants a clean two-year trading history with no ATO debt, no late payments, a 2x interest cover ratio and a property to secure against. If any of those slip, the file gets handed to a credit team that doesn't know your industry, doesn't speak to you, and comes back three weeks later with a decline.

Non-bank and specialist lenders solve all three problems - they look at BAS turnover (not just tax returns), accept ATO payment plans, and underwrite the business rather than the balance sheet. The problem is figuring out which of the 40+ options is the right fit before you waste a credit enquiry.

How Mortgagefy helps

Right lender first time. We know which non-bank will accept an active ATO payment plan, which one still lends to construction trades, and which one will accept 6 months of bank statements instead of two years of tax returns.
Multi-entity structures. Trading company + property company + income-support company. We've placed these - we know which lenders accept related-entity income without demanding a corporate guarantee from every entity.
Honest serviceability. We run full servicing calcs on the directors' personal income first, then layer company cashflow to see what adds. If it doesn't service, we tell you before you spend 3 weeks on the file.
No broker fee. Lender pays us at settlement. You get independent assessment across our lender panel at no cost.

Need to model repayments first? Try our Sydney loan calculators for an indicative figure.

How it works

Free call

15-minute chat to understand purpose, amount, timing and your business structure.

Lender shortlist

We hand-pick 2-3 lenders whose policy matches your profile - no scattergun applications.

Clean submission

We prepare the file - BAS, bank statements, tax returns, trust deeds, director IDs - so lenders can make a credit decision sooner.

Settlement

You review the formal offer; we coordinate with your accountant and solicitor through to funding.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

How much can I borrow?

Unsecured business loans typically $5,000 to $500,000; secured facilities $200,000 to $5,000,000. The limit depends on your trading history, serviceability and what security (if any) you can offer. We'll give you a realistic ceiling after a 15-minute call.

How fast can I get a decision?

Unsecured non-bank loans can often move quickly with clean documents. Secured commercial facilities take 2-4 weeks because of the property valuation. Low-doc files take about 10 business days.

Can I borrow with an active ATO payment plan?

Yes with the right lender. Several non-banks accept active ATO payment plans as long as the plan is being honoured and the arrears aren't recent. The main banks almost always decline these.

Will I need to give personal guarantees?

For most business loans under $2m, yes - directors sign personal guarantees. For larger facilities with strong serviceability, we can sometimes negotiate limited or capped guarantees. Non-recourse business lending is rare in Australia.

What documents will I need?

Typically: 12 months of business bank statements, latest BAS, 2 years of tax returns and financials (full-doc only), director IDs, trust deed if applicable. Low-doc files replace tax returns with an accountant's letter and BAS turnover.

Do you charge a fee?

No broker fee to the borrower. The lender pays us a commission at settlement. You get an independent assessment across our lender panel at no cost.

What if my application is complex - multiple entities, trusts, related-party income?

That's where we add the most value. Multi-entity structures with income flowing between trading co, property co and an income-support entity are our bread and butter. Call us and we'll map the structure to the lenders that accept it.

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Get your free business finance assessment

Independent assessment across our lender panel. No broker fee. Unsecured decisions are usually faster than secured.

Start Your Free Assessment Call 0432 634 648

Related guides

Low Doc Business Loan

BAS-only underwriting for self-employed and sole traders.

Short-Term Business Loan

3-12 months to bridge a cash-flow gap or finish a project.

Commercial Property Loans Sydney

Owner-occupied and investment commercial property finance.

Development Finance Sydney

Site acquisition through to residual stock refinance.

Equipment Finance

Chattel mortgage, hire purchase, finance lease for vehicles and machinery.

Working Capital Loan

Line of credit, invoice finance and overdraft to smooth cashflow.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Business Loans Sydney- secured, unsecured & low doc