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
For business owners needing working capital or property.
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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.
“Highly recommend Mortgage Pass. Excellent service from start to finish. Julie made the whole process so much easier! She’s extremely thorough, goes above and beyond to find the best deal, and keeps you updated every step of the way. Very professional, knowledgeable and always happy to help. If you’re looking for a reliable and helpful broker, Julie is your go-to!”
“We wanted to cash out against our home to renovate and had no idea where to start. Julie was so helpful from day one. She walked us through all our options, explained the numbers clearly, and found us a great deal that let us access the equity without messing up our existing loan. Communication was excellent the whole time, everything was handled quickly and settlement was smooth. Made what could have been stressful actually really easy. Highly recommend Julie if you need a mortgage broker.”
“We couldn't recommend Julie from Mortgage Pass highly enough! From the very beginning, Julie was professional, knowledgeable, and incredibly supportive throughout what turned out to be a challenging loan process. Thanks to Julie's hard work and determination, we've secured the finance to build our dream home. If you're looking for a mortgage broker who will go the extra mile, Julie is the person to call. Thank you, Julie, we're so grateful for everything you've done to help make our dream a reality!”
These are just some of the local suburbs we cover.
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