12+ Business Lenders | Growth Finance | Credit Assistance

Fund Your Business Expansion With the Right Finance

New locations, hiring staff, increasing inventory, marketing campaigns, or acquiring another business - we compare expansion funding options from 12+ Australian lenders including traditional term loans, revenue-based lending, and unsecured facilities.

$50K-$5M

Expansion Amounts

6.49%+

Rates from

12+

Lenders Compared

Check Expansion Loan Options Compare Funding Types

Secure | No credit check at initial stage | No cost to you* | *We are paid by lenders

What Are You Expanding?

Different expansion goals require different funding structures

📍

New Location / Second Premises

Open a second shop, office, warehouse, or franchise location. Includes fit-out, signage, and initial stock.

$100K - $2M+

Lease bond + fit-out costs
Equipment for new site
Working capital for first 6 months
Secured or unsecured options

👥

Hiring & Team Growth

Fund recruitment, training, and payroll for new staff before revenue catches up.

$50K - $500K

Cover 3-6 months salary gap
Recruitment agency costs
Training and onboarding
Revenue-based repayment options

📦

Inventory & Stock

Bulk purchasing, seasonal stock builds, import orders, and new product lines.

$20K - $1M

Seasonal stock financing
Import letter of credit
Supplier payment terms
Inventory as security option

📣

Marketing & Growth Campaigns

Digital marketing, brand refresh, trade shows, PR campaigns, and customer acquisition.

$10K - $250K

Measurable ROI funding
Short-term facilities available
Revenue-based repayment
No asset security needed

🤝

Business Acquisition

Buy a competitor, complementary business, or franchise. Includes goodwill, stock, and assets.

$100K - $5M+

Vendor finance negotiations
Due diligence funding
Business + property packages
Goodwill financing available

Expansion Funding Options Compared

Multiple paths to funding your growth in Australia

Traditional Term Loan

Fixed amount, fixed term, regular repayments.

Amount: $50K - $5M
Term: 1-7 years
Rate: 6.49-12% (varies by security)
Security: Property, equipment, or unsecured
Approval: 1-4 weeks

Best for: Established businesses (2+ years) with clear financial statements and a specific expansion plan with defined costs.

Revenue-Based Lending

Repayments tied to your revenue. Pay more when business is good, less when it's slow.

Amount: $10K - $500K
Repayment: % of daily/weekly revenue
Cost: Factor rate 1.1-1.5x (not APR)
Security: Usually unsecured
Approval: 24-72 hours

Best for: Businesses with strong revenue but limited assets or shorter trading history. Seasonal businesses benefit from flexible repayments.

Government Grants & Support

Non-repayable funding from state and federal programs.

Export Market Development Grants (Austrade)
R&D Tax Incentive (ATO - up to 43.5% offset)
State business grants (vary by state)
Indigenous Business Australia loans
Regional development grants

Note: Grants are competitive and take time. Use them alongside, not instead of, commercial finance for time-sensitive expansions.

Business Expansion Loan FAQs

Common questions from growing Australian businesses

How much can I borrow for business expansion?

Most lenders cap unsecured business loans at 1-2x your annual revenue. For a business with $500K annual revenue, you could typically borrow $250K-$1M unsecured. With property or equipment as security, limits increase significantly. The key metric is your DSCR (Debt Service Coverage Ratio) - lenders want to see you can comfortably service the new debt from existing cash flow.

Do I need a business plan to get expansion finance?

For amounts under $100K from non-bank lenders, a business plan may not be required - they'll assess based on your revenue and bank statements. For larger amounts ($100K+) from banks, a solid business plan is essential. It should cover: what you're expanding, projected revenue increase, timeline, costs breakdown, and how the loan will be repaid. We can advise on what each lender requires.

Can I get expansion finance if my business is only 1-2 years old?

Yes, but options are more limited. Non-bank lenders (Prospa, OnDeck, Moula) assess businesses from 6 months trading. Banks typically want 2+ years. Revenue-based lenders focus on your current cash flow rather than how long you've been trading. Expect higher rates (10-15%) for younger businesses compared to established ones (6-10%).

Should I use personal assets (like my home) as security?

Using your home as security for a business loan gets you the best rates (often 1-2% lower) and highest loan amounts. However, it means your personal home is at risk if the business fails. Many business owners choose unsecured or revenue-based options despite higher costs to keep business and personal risk separate. This is a personal decision - we can show you the cost difference for both options.

What's the Australian equivalent of an SBA loan?

Australia doesn't have a direct SBA equivalent, but there are several government-supported options: the SME Guarantee Scheme (government guarantees 50% of eligible loans up to $5M), Export Finance Australia for exporters, and various state-based programs like the Victorian Business Growth Fund. These programs reduce lender risk, potentially giving you better rates and terms. We can help identify which programs you may qualify for.