Australian business loans · $5K to $5M
Fast funding for
caféscafés, tradies, clinics, retailers, truckies, your business
Tell us a little about your business and we'll match you with real offers from our lender panel — usually the same day. Checking never touches your credit file.
- Decisions in hours, not weeks
- Just your ABN and 6 months of bank statements
- Bad credit? Many of our lenders still say yes
- No credit check to start
- Decisions within hours
- No obligation
How it works
- 01
Tell us about your business
A 4-minute form. No business plan, no credit check.
- 02
A specialist reviews it
A real Australian matches you across our lender panel — usually within hours.
- 03
Get a clear offer
Rate, fees and total cost shown upfront. No pressure.
- 04
Funds in your account
Accept and money can land the same day.
What would the repayments look like?
Move the slider. No details needed — this is just maths.
Estimated weekly repayment
$1,104
Based on 14% p.a. over 24 months. Your actual rate depends on your business.
Five ways to borrow
Compare side by sideFast Business Loan
Quick capital with a decision in hours and same-day settlement available.
Amount $5K – $5M
Rate From ~14% p.a.
Unsecured Business Loan
Borrow without putting property or assets up as security.
Amount $5K – $1M
Rate From ~14% p.a.
Secured Business Loan
Use property or equipment as security for lower rates and higher limits.
Amount $20K – $5M
Rate From ~8% p.a.
Equipment Finance
Finance vehicles, machinery and tech, with the asset as security.
Amount $5K – $5M
Rate From ~7.9% p.a.
Business Line of Credit
A revolving limit — draw when you need it, pay interest only on what you use.
Amount Up to $2M
Rate From ~12% p.a.
Built for owners, not paperwork.
Banks ask for tax returns, business plans and weeks of patience. We look at how your business is actually trading — and give you a straight answer.
You'll likely qualify if you have
- An active ABN
- 4+ months trading
- $5,000+ monthly revenue
- A business bank account
No hit to your credit file
Seeing your options is a soft look only.
Decisions within hours
Not weeks. Same-day funding available.
Minimal paperwork
ABN and 6 months of bank statements is usually it.
$5K to $5M
Unsecured, secured, equipment and lines of credit.
Real people
A local specialist who understands your industry.
Every fee upfront
Total cost disclosed before you sign anything.
Questions people ask first.
Still unsure? Read every answer.
Who is eligible for a CreditAU business loan?
Australian businesses with an active ABN, at least 4–6 months of trading and $5,000+ in monthly revenue. We work with 700+ industries in every state and territory.
Will checking my options affect my credit score?
No. Seeing your options has zero impact on your credit file. A credit check only happens if you choose to go ahead with a formal application, and we tell you before it does.
How quickly will I hear back?
Most applicants hear from a specialist within a few hours on business days. Accepted offers can often be funded the same day.
How much can I borrow?
From $5,000 up to $5,000,000, depending on the product, your revenue and whether you can offer security.
What documents do I need?
Usually just your ABN and 6 months of business bank statements. No business plan or tax returns for most applications.
See what you could borrow
Four minutes. No credit check. A real specialist calls you within hours.
- No credit check to start
- Decisions within hours
- No obligation