Small Business Loans
Fast, Flexible Finance
By the Mortgagefy Team · Published 7 April 2026 · Last reviewed 29 April 2026
Unsecured and secured business loans from $5,000 to $500,000. Minimal paperwork, fast decisions, flexible repayment terms. We search across our wide panel of lenders to find the right fit.
Check My Small Business Loan Options — Free
A mortgage broker will aim to contact you the same day. No obligation.
Types of Small Business Loans
The Right Loan for Your Business Stage
Not all business loans are the same. The right structure depends on your purpose, assets available, and how quickly you need funds.
Unsecured Business Loan
No collateral required. Based on your business revenue and trading history. Loans from $5K to $500K with quicker turnaround than most secured options. Higher rates than secured options.
Secured Business Loan
Lower rates secured against property, equipment, or other business assets. Larger loan amounts available — often $150K to $2M+. Ideal for established businesses with assets.
Line of Credit / Overdraft
Draw down and repay as needed — only pay interest on what you use. Perfect for managing seasonal cash flow gaps or covering day-to-day operational costs.
How It Works
From Enquiry to Funded in 4 Steps
Submit Your Enquiry
Tell us how much you need and what it's for. Takes under 2 minutes online or by phone.
Broker Reviews & Compares
We assess your business profile and match you to the right lenders from our wide lender panel.
Application Submitted
We handle the paperwork and submit to the most suitable lender. No multiple applications damaging your credit.
Approved & Funded
Many lenders approve within 24 hours and fund within 2–3 business days. Your business gets moving.
Ready to Get Your Business Loan?
A specialist will search across a wide panel of lenders and contact you within 24 hours — no obligation, no credit check to enquire.
Small Business Loan FAQs
Get Your Free Small Business Loan Assessment
A specialist will contact you within 24 hours with your options across our wide panel of lenders.
Small Business Loans — Practical Guide for Sydney Borrowers
Understanding small business loans is essential before committing to a home loan, refinance, or investment property purchase. This guide covers the key considerations Australian borrowers face in 2026, the documents you'll need, and how a specialist mortgage broker shortcuts the process.
What Lenders Actually Look At
Lender decisions hinge on three pillars: income (verified, stable, sufficient), expenses and debts (HEM benchmark + actual commitments), and asset/deposit position (savings, gift, equity). Your documentation tells this story — payslips, tax returns, BAS, bank statements, contracts. Specialist lenders weight these differently from major banks, which is why broker selection matters.
Document Checklist
Standard documents: 2 most recent payslips, latest PAYG summary or Notice of Assessment, 3 months bank statements, ID, and proof of deposit. Self-employed applicants additionally need 1–2 years of personal + business tax returns and BAS statements. Investors need rental statements; refinancers need their existing loan statements.
Common Mistakes to Avoid
Applying with one bank only, missing 2 years of self-employed history, undeclared overseas income, applying with multiple credit enquiries in 6 months, or applying with high credit card limits. Each of these can downgrade your application unnecessarily. A broker checks for these before submission.
Working with Mortgagefy
Free 20-minute initial call. We assess your situation, document needs, and target lenders. Strategy and document checklist sent to you within 24 hours. Application lodged within 2–5 days of complete documents. Settlement typically 4–6 weeks. No broker fees — lenders pay our commission upon completion.
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