Australian Business Finance

The smarter way to get your business funded.

See your indicative funding options in 60 seconds. No credit check. No paperwork. No obligation.

Get started — free & instant
See your lending options
in 60 seconds
No credit check required
No paperwork or documents
No obligation to proceed
Speak to a specialist today
Check my options
5,000+ businesses helped · Takes 60 seconds
Live Funding Activity

Funding Australian businesses — right now.

Real loans matched and funded through our platform. Updated live.

Funded today
Volume this week
Avg. match time
Live now

Funded in 3 hours.
No personal
credit check.

Most business loans drag on for days — applications, back-and-forth, credit hits. This one doesn't. We assess your business, not your personal file. If you're trading and generating revenue, you may qualify today.

Check my eligibility — free →
3hr
Settlement time
$250k
Maximum facility
0×
Personal credit checks
6mo
Min. trading history
How it works

Three steps to
your options

No lengthy applications. No waiting days for a callback. Just fast, honest results based on your business profile.

01
Tell us about your business

Answer a few quick questions about your revenue, time in business, and what you're looking for. Takes under 60 seconds.

02
See your indicative options

Our live lending engine matches your profile and shows indicative rates, amounts and terms — instantly, with no credit impact.

03
Speak to a specialist

Select the option that suits you and one of our 50+ Australian lending specialists will call within 1–2 hours to confirm what's available.

Takes 60 seconds
Ready to see what funding
your business qualifies for?
No credit check. No paperwork. No obligation. Just instant, indicative options.
Check my options →
Free · Instant · No credit impact
Products

Six ways to fund
your Australian business

Six products covering the most common funding needs — fast, simple, and always on your terms.

Unsecured
Business Loan

Fast working capital without putting up assets. Ideal for cash flow, growth, or unexpected expenses.

Rate (indicative)From 14% p.a.
Max amountUp to $500,000
TermUp to 60 months
SecurityNone required
Check eligibility →
Secured
Property-Backed Loan

Use your property equity to access larger amounts at lower rates. No credit check required.

Rate (indicative)From 8% p.a.
LVRUp to 80%
Term6–24 months
Credit checkNot required
Check eligibility →
Equipment
Equipment Finance

Finance your next vehicle or equipment with the asset as security. Structured around your cash flow.

Rate (indicative)From 8% p.a.
Max amountUp to $150,000
TermUp to 84 months
AssetsNew & used
Check eligibility →
New
No Personal Credit Check
3-Hour Fast Loan

Funds in your account in as little as 3 hours. No personal credit check — assessed entirely on your business performance.

Settlement timeAs fast as 3 hours
Credit checkBusiness only
Max amountUp to $250,000
Eligibility6+ months trading
Check eligibility →
New
Refinance
Debt Refinance Offer

Consolidate existing business debts into one lower-repayment facility. Reduce pressure on cash flow and simplify your repayment schedule.

Rate (indicative)From 10% p.a.
Debts consolidatedMultiple accepted
TermUp to 60 months
SecurityOptional
Check eligibility →
New
Car Sales Finance
Car Sales Live Quote

Found a car on Car Sales? Get a live finance quote in 90 seconds — soft check only, no credit impact. Weekly repayment and rate delivered instantly.

Quote timeLive & instant
Credit checkSoft check only
Max amountUp to $150,000
VehiclesNew & used
Get a live quote →
Why Business Loans IQ

Better than a broker.
Here's why.

Traditional brokers call you back in days with one or two options. We surface your best-matched loans instantly — across 80+ lenders, with better pricing, in under 60 seconds.

01
Instant matching, not days of waiting

Our engine matches your profile against 80+ lenders in real time. No waiting for a broker to make calls, no chasing callbacks — your options are ready before you finish your coffee.

02
We match 100s of loans every day

Volume creates leverage. Because we process hundreds of loan matches daily, our lender relationships are stronger — translating into rates and terms that a single broker simply can't negotiate.

03
Better pricing through lender volume

Most brokers work with a handful of preferred lenders and clip the ticket on each deal. We access 80+ lenders at scale, creating competitive tension that drives your rate down — not their commission up.

04
No missed options

A broker only presents what they're accredited for. Our tool checks every eligible lender against your profile simultaneously — so you see the full picture, not just whatever's easiest for someone else to sell.

05
No credit check — ever

See your matched options without touching your credit file. Your score stays intact until you decide to proceed — unlike brokers who often run hard enquiries before you've agreed to anything.

06
Specialists when you need them

Once you've seen your options and chosen a direction, a real lending specialist calls within 1–2 hours to lock in the details. Expert guidance — without the guesswork or the gatekeeping.

5,000+
Businesses helped
60s
Avg. time to options
50+
Lending specialists
No credit check
No obligation
No spam
Australian businesses only
Results in 60 seconds
New products

More ways to get your
business funded

From debt consolidation to dealer floor finance — three specialist products, one broker.

Debt Refinance

One repayment. Better rate. Less stress.

Juggling multiple business debts? We consolidate MCAs, loans, credit cards, and ATO debt into a single lower-cost facility — freeing up cash flow from day one.

From 10% p.a. — up to 60 months
Optional security — no property guarantee
ATO debt & MCAs accepted
See if I qualify →
Car Sales Finance

Found a car on Car Sales? Get financed today.

Found the vehicle on Car Sales.com.au? We can turn that listing into a live loan quote in under 90 seconds — soft check only, no impact to your credit file.

Paste your Car Sales listing — done
Soft check only — no credit impact
Weekly repayment & rate in 90 seconds
Get a live quote →
Low Credit Loan

Bad credit? Your business still qualifies.

We lend against your business performance, not your credit score. If you're generating consistent revenue, a past default or low score won't stop you from accessing capital.

Defaults & judgements considered
Revenue-based assessment
Up to $150k — funded fast
Check my eligibility →
Get started today

Ready to see
your options?

Check my options — free & no obligation →

No credit check  ·  Takes 60 seconds  ·  Speak to a specialist today