PB
Phoebe Blamey
google
“The brilliant thing about Julie is her next level understanding of money in your business and how to help a business owner borrow money”
Posted on Google · 2026-11-12
Merrylands · Mortgage broker
Business loans for Sydney businesses
Business finance matched to what it pays for: stock, equipment, vehicles, premises or cash flow. We compare 35+ banks and alternative lenders, and structure the loan around your cash flow, tax position and growth plans.
The right business loan depends on its purpose and your security. Banks are usually cheaper but slower and want property security; alternative lenders are faster and more flexible but cost more. Choosing between them is a trade-off between speed, cost and what you are willing to secure.
| Loan | Best for | Watch for |
|---|---|---|
| Unsecured business loan | Fast access without property security | Higher rates, shorter terms |
| Secured business loan | Larger amounts against property or assets | Your asset is at risk if you default |
| Low doc business loan | Owners without up-to-date financials | Fewer lenders, higher cost |
| Cash flow loan | Short-term gaps | Short terms, frequent repayments |
| Line of credit | Drawing only what you need | Ongoing fees |
| Equipment finance | Tools, machinery | Balloon payments |
| Business vehicle loan | Utes, vans, trucks | Balloon payments |
| Invoice finance | Cash tied up in unpaid invoices | A cost on every invoice |
| Business loan refinance | Lower repayments, freed-up cash | Break costs |
Related: Home loans · Refinance · Commercial property loans · Fees · Contact
What we do
Business Loans
For business owners needing working capital or property.
What’s included
- Purpose, amount and timing
- Security and documents: property, assets or unsecured
- A comparison of 35+ banks and alternative lenders on total cost, speed and terms
- Application and approval
- Settlement and a review as the business grows
Problems we solve
- Choosing between speed, cost and security
- Cash tied up in unpaid invoices
- Short-term cash flow gaps
- Financing equipment and vehicles
- Repayments that squeeze cash flow
What’s not included
- Tax treatment of business borrowing: that is for your accountant
What we cover
Good to know
Tap any one to read the detail.
Tax advice
Tax treatment of business borrowing is for your accountant.
How it works
How we deliver
1
Purpose and amountwhat the money is for, how much, how fast.
2
Security and documentsproperty, assets, or unsecured; financials, BAS or bank statements.
3
Compare lenderson total cost, speed and terms, not just the rate.
4
Application and approval.
5
Settlementand a review as the business grows.
Pricing
Honest, up-front pricing
Starts with a free assessment
The lender that funds your loan pays us a commission when it settles. If a fee ever applies, for example on a complex or commercial loan, it is agreed in writing before any work starts, and our credit guide sets out exactly how we are paid.
Reviews & ratings
Loved by the local community
NM
Neil Manuel
google
“Awesome broker, highly recommended for any of your finance needs!”
Posted on Google · 2026-11-01
GO
Gareene Ohanian
google
“I highly recommend Julie from Mortgage Pass in Merrylands. She’s so professional, knowledgeable and caring. Her advice is beyond what you will ever receive from a bank. julie managed to secure our first home buyer pre-approved loan in no time. We are so happy to have found our forever home and settled our loan with ease. Thank you Julie & the Mortgage Pass team.”
Posted on Google · 2026-10-21
Meet your team
Led by people, not a faceless help desk
JJ
Julie Judge
Business Loans lead · Diploma of Finance and Mortgage Broking Management
Mortgage broker in Merrylands and nearby
Areas we serve
These are just some of the local suburbs we cover.
SydneyNSWBurwoodNSWConcordNSWHolroydNSWHomebushNSWLidcombeNSWRosehillNSWGranvilleNSWGuildfordNSWMays HillNSWNewingtonNSWRydalmereNSWMerrylandsNSWSydney Olympic ParkNSWSilverwaterNSWWentworthvilleNSWNorth ParramattaNSWConstitution HillNSWParramattaNSWSouth WentworthvilleNSW
Popular searches
Service options
Onsite servicesOnline appointments
Amenities
Gender-neutral restroom
Crowd
LGBTQ+ friendlyTransgender safespace
From the business
Identifies as women-owned
FAQs
Questions answered
What types of business loans are there?
Mortgage Pass arranges unsecured, secured, low doc, cash flow, line of credit, equipment, vehicle, invoice finance and refinance business loans.
What is a low doc business loan?
A low doc business loan, which Mortgage Pass arranges, is for owners without the usual paperwork, often used by tradies and small businesses.
Are unsecured loans good for small businesses?
Unsecured business loans from the lenders Mortgage Pass compares give fast access without property security, at a higher cost.
Can I refinance my business loan to improve cash flow?
Yes. Mortgage Pass can refinance your business loan to reduce repayments or free up funds.
Business information
Mortgage Pass
Address
1/219 Merrylands Road, Merrylands NSW 2160Get directions →
Phone
Booking link
Hours
HoursSee all →
Website
Plus Code & geo
Credit licence
Australian Credit Licence 387025
Find us
Hours, directions and map
- Address1/219 Merrylands Road
Merrylands NSW 2160 - StatusHours
- Google Plus Code
5X7Q+HH
Opening hours
HoursMondayToday9:00 am – 6:00 pm
Tuesday9:00 am – 6:00 pm
Wednesday9:00 am – 6:00 pm
Thursday9:00 am – 6:00 pm
Friday9:00 am – 6:00 pm
SaturdayClosed
SundayClosed
Status: Open today 9:00 am – 6:00 pm
Sources & references
- (n.d.). Search ASIC's professional registers. ASIC. https://asic.gov.au/online-services/search-asic-s-registers/professional-registers/
- (n.d.). Mortgage & Finance Association of Australia. MFAA. https://www.mfaa.com.au/