Business Loans Australia
Whether you need working capital, want to seize a growth opportunity, or need to manage cash flow, we'll help you find business finance that fits. From unsecured loans to invoice finance, we work with lenders who understand small business.Business finance from 40+ lenders. Unsecured loans, invoice finance, and fast approval options.
Fast approval. Low doc options. Bad credit considered.
Business Finance Made Simple
Running a business means constantly balancing opportunities against cash flow. You might need to stock up before a busy period, invest in marketing, cover wages during a slow patch, or seize a growth opportunity that won't wait.
At Your Lending Friend, we help Australian businesses access the finance they need to operate and grow. Our business finance specialists work with lenders who understand small business - from traditional banks to alternative lenders who offer fast, flexible solutions.
Low doc options available. Bad credit considered. Fast turnaround when you need it.
Business Finance Options
Find the right type of business finance for your needs
Core Lending Options
Unsecured Business Loans
No property security required. Borrow based on your business performance and cash flow.
Business Line of Credit
Draw funds as you need them, repay, and draw again. Pay interest only on what you use.
Working Capital Loans
Fast access to funds for cash flow, growth, and operational needs.
Fast & Flexible Finance
Low Doc Business Loans
Less paperwork for busy business owners. Get approved based on bank statements and BAS.
Fast Business Loans
Same-day approval, next-day funding for urgent business needs.
Invoice Finance
Turn unpaid invoices into immediate cash flow. Access up to 80-95% of invoice value.
Purpose-Specific Loans
Tax Debt Loans
ATO debt piling up? Finance options to clear tax obligations and get back on track.
Fit-Out Loans
Finance your shop, office, or commercial fit-out including fixtures and equipment.
Franchise Loans
Finance to buy a franchise - fees, fit-out, equipment, and working capital.
Business Refinance
Refinance existing business loans for better rates or consolidate multiple debts.
How It Works
Getting business finance is simpler than you think
Tell Us Your Needs
How much do you need and what for? We'll understand your business and find the right type of finance.
We Find Options
Our business finance specialists search 40+ lenders for options that suit your situation. Low doc and fast approval available.
Choose Your Loan
We present your options clearly - rates, terms, fees. You choose the one that works best for your business.
Get Your Funds
Fast approvals mean funds can be in your account within 24-48 hours. Get back to running your business.
Checking your options won't affect your credit score
What Can You Use a Business Loan For?
Working Capital
Cover day-to-day operating expenses
Growth & Expansion
Fund new locations, staff, or markets
Inventory Purchase
Stock up before busy periods
Equipment Upgrades
Invest in better tools and machinery
Cash Flow Gaps
Bridge slow periods or late-paying customers
Tax Obligations
Clear ATO debts and avoid penalties
Marketing & Advertising
Invest in business growth
Renovation & Fitouts
Upgrade your business premises
Waiting for Invoices to Be Paid?
Invoice finance lets you access up to 80-95% of your outstanding invoice value immediately. Stop waiting 30, 60, or 90 days for customers to pay. Turn your invoices into working capital today.
Learn About Invoice FinanceGeneral Requirements
Low Doc & Bad Credit Options
We work with specialist lenders who consider:
Business Loan FAQs
Common questions about business finance
Business loans can be used for almost any legitimate business purpose - working capital, inventory, equipment, expansion, marketing, staff wages, tax obligations, or cash flow management. Some lenders may restrict certain uses, which we'll discuss with you.
Business loan amounts typically range from $5,000 to $500,00...
Business loan amounts typically range from $5,000 to $500,000+ depending on your business turnover, time in business, and the type of finance. Unsecured loans are often capped around $250,000-$500,000, while secured options can go higher.
Yes. We work with lenders who focus on your business perform...
Yes. We work with lenders who focus on your business performance and cash flow rather than just personal credit history. If your business is generating revenue, options may be available even with past credit issues.
Secured loans require collateral (usually property or busine...
Secured loans require collateral (usually property or business assets) and typically offer lower rates. Unsecured loans don't require collateral but assess your business's revenue and cash flow instead - they're faster to arrange but may have higher rates.
Invoice finance lets you access up to 80-95% of your outstan...
Invoice finance lets you access up to 80-95% of your outstanding invoice value immediately, rather than waiting 30-90 days for customers to pay. The finance provider advances the funds, then collects payment from your customers (factoring) or you collect and repay them (discounting).
Many unsecured business loans can be approved same-day with ...
Many unsecured business loans can be approved same-day with funds available next business day. Low doc options and invoice finance can also be very fast. More complex applications may take a few days.
This varies by lender and loan type. Standard requirements i...
This varies by lender and loan type. Standard requirements include bank statements (3-6 months), BAS statements, and business registration details. Low doc options may only need bank statements. We'll tell you exactly what's needed.
Most lenders require a minimum of 6-12 months in business. S...
Most lenders require a minimum of 6-12 months in business. Some specialist lenders work with newer businesses if you have industry experience or strong revenue. We have options for different stages of business.
Still have questions? Contact our friendly team
Related Finance Options
Need Construction or Bridging Finance?
For construction loans, bridging finance, development funding, or fast private lending solutions, visit our partner Andorra Private - specialists in private and commercial lending.