Specialist funding solutions for new businesses, startups, and small business growth. Flexible options even with limited trading history or non-traditional income verification.
Whether you're launching a new venture or scaling an existing business, we have funding options tailored to your situation.
Purpose-built funding for new businesses under 2 years old. Flexible documentation options for businesses without extensive trading history.
Fast access to capital without property security. Approved based on business cash flow and trading performance rather than asset backing.
Competitive rates using residential or commercial property as security. Higher borrowing limits and longer terms available.
Revolving credit facility for ongoing working capital needs. Draw funds as needed and only pay interest on what you use.
Unlock cash tied up in unpaid invoices. Improve cash flow without waiting 30-90 days for customer payments.
Fund business equipment, vehicles, and machinery. Tax-effective structures with the asset serving as security.
We work with businesses at every stage, from pre-launch startups to established small businesses seeking growth capital. Our flexible approach means we can often help where banks say no.
Startups and new ventures with limited trading history but strong business plans and operator experience.
Businesses with 2+ years trading seeking expansion capital, equipment, or working capital funding.
Contractors, freelancers, and sole traders needing business funding with flexible income verification.
First-time business owners purchasing established franchise systems with proven models.
We understand startups and small businesses face unique challenges. Our approach is designed to help you succeed.
Same-day indicative offers with formal approval in 24-48 hours for most applications.
Alternative verification options when traditional financials aren't available.
Commercial banking experience to help structure the right funding solution.
Transparent pricing with all costs disclosed upfront before you commit.
Access to banks, non-banks, fintechs, and specialist small business lenders.
Funding structured to support your growth plans, not just meet immediate needs.
Funding available without property security for qualifying businesses.
Relationship-based approach with support beyond initial funding.
Small business finance can support virtually any legitimate business purpose.
Cover initial setup expenses including registration, branding, website development, and first inventory orders.
Purchase machinery, vehicles, computers, software, and other business equipment needed to operate.
Fund initial stock purchases or increase inventory levels to meet growing demand or seasonal peaks.
Hire key team members, cover payroll during growth phases, or invest in training and development.
Fund marketing campaigns, sales initiatives, trade shows, and customer acquisition activities.
Lease deposits, office or retail fitout, renovations, and workspace improvements.
Bridge cash flow gaps, manage seasonal fluctuations, or maintain operations during growth.
Purchase an existing business, acquire a competitor, or buy into a franchise system.
From enquiry to funding in as little as 24-48 hours for straightforward applications.
Quick discussion about your business, funding needs, and goals.
Submit basic documents online - usually just bank statements and ID.
We match you with the best lender options and present offers.
Sign contracts and receive funds - often within 24-48 hours.
Answers to frequently asked questions about small business and startup finance.
Yes! We have options for pre-revenue startups with strong business plans, as well as businesses in their first months of trading. Requirements vary by lender.
Many lenders offer low-doc or alt-doc options. We can often work with bank statements, BAS, or business plans for newer businesses.
Not necessarily. Unsecured business loans are available based on cash flow, though secured loans typically offer better rates and higher limits.
Many unsecured business loans settle within 24-48 hours of approval. Secured loans typically take 1-2 weeks depending on valuation requirements.
Rates vary from 6% to 25%+ depending on loan type, security, trading history, and risk profile. We'll always present multiple options to compare.
Our initial assessment uses soft credit checks that don't affect your score. Hard credit checks only occur once you proceed with a specific lender.
Book a consultation to discuss your business, explore funding options, and get expert guidance on the best path forward.
