12+ Business Loan Lenders • Smart Matching

Find Your Best Business Loan in 2 Minutes

Whether you need working capital, equipment finance, or expansion funding—our algorithm compares 12+ lenders to find your perfect match. Get approval probability and personalized rates instantly.

12+

Business Lenders

6.49%

Rates from

$5M

Max Loan Amount

Get Your Best Rate → See How Matching Works

🔒 Secure • No credit score impact • 100% free service

We Match You For Any Business Loan Type

Working capital, equipment, expansion—we compare them all

💼

Working Capital Loans

Short-term funding for day-to-day operations, inventory, payroll, cash flow gaps.

Fast approval

✓ Amounts: $10K - $500K
✓ Terms: 3-24 months
✓ Fast approval (1-3 days)
✓ Revenue-based assessment

🏭

Equipment Finance

Purchase or lease business equipment, machinery, vehicles, technology, tools.

Asset-backed

✓ Amounts: $5K - $2M
✓ Terms: 2-7 years
✓ Equipment as security
✓ Tax-effective structures

📈

Business Expansion Loans

Grow your business: new locations, hire staff, increase inventory, marketing.

Growth funding

✓ Amounts: $50K - $5M
✓ Terms: 1-7 years
✓ Unsecured options available
✓ Strategic growth plans

🚚

Commercial Property Loans

Purchase business premises, warehouses, retail spaces, office buildings.

Property secured

✓ Amounts: $200K - $5M+
✓ Terms: 5-30 years
✓ LVR up to 70%
✓ Owner-occupied or investment

💳

Business Lines of Credit

Flexible credit facility: draw funds when needed, pay interest only on what you use.

Revolving credit

✓ Limits: $10K - $1M
✓ Revolving facility
✓ Pay interest on drawn amount
✓ Flexible repayments

🆕

Startup & Early-Stage Loans

Funding for new businesses: less than 2 years trading, limited financials.

Startup specialists

✓ Amounts: $5K - $250K
✓ Personal guarantees may apply
✓ Business plan required
✓ Higher rates (10-15%)

How Business Loan Matching Works

Real calculations specific to business lending

You Provide Business & Financial Details

Our 2-minute assessment collects:

• Loan amount & purpose
• Business age & structure (Pty Ltd, Sole Trader, etc.)
• Annual revenue & monthly expenses
• Business credit score & existing debts
• Assets available for security (if any)

We Calculate Your Business Metrics

Our algorithm automatically calculates:

• Revenue-to-Loan Ratio (critical for business loans!)
• DSCR (Debt Service Coverage Ratio)
• Business Age (trading history)
• Industry Risk (some industries harder to finance)
• Security Position (asset-backed vs unsecured)

✓ Business-specific calculations

Match You With 12+ Lenders

Each lender scored on:

• 30 pts - Revenue Strength
• 25 pts - Business Age & Stability
• 25 pts - Credit Quality
• 10 pts - Industry Experience
• 10 pts - Security Position
• +15 pts - Specialty (e.g., NAB for ABN holders)

✓ 100-point match score

See Your Personalized Results

Results categorized by match quality:

🌟 Recommended (70%+ match)
✓ Possible (50-69% match)
? Near Matches (shows requirements)

Each lender shows:

• Match confidence score
• Approval probability
• Your personalized rate
• Monthly repayment estimate
• Processing time & requirements

Try Our Business Loan Matcher →

Understanding Business Loan Metrics

What makes business loans different from personal loans

💰 Revenue-to-Loan Ratio

Formula: Loan Amount ÷ Annual Revenue

Example: $100K loan ÷ $500K revenue = 0.2x (20%)

Why it matters:

<0.5x (50%): Excellent - easy approval
0.5-1x (50-100%): Good - most lenders accept
1-2x (100-200%): Moderate - requires strong DSCR
>2x (200%+): High risk - specialist lenders only

Our algorithm: Calculates this ratio and matches you with lenders who accept your revenue level. Scores 30 points for revenue strength.

📊 DSCR (Debt Service Coverage Ratio)

Formula: Net Operating Income ÷ Total Debt Service

Example: $150K income ÷ $100K debt = 1.5x DSCR

Lender requirements:

>1.5x DSCR: Excellent - strong cashflow
1.25-1.5x: Good - most lenders comfortable
1.0-1.25x: Marginal - limited lenders
<1.0x: Negative cashflow - very limited options

Key difference from personal loans: Lenders care more about business cashflow than personal income for business loans.

⏰ Business Age & Trading History

Critical factor: Most lenders have minimum trading periods

Typical requirements:

2+ years trading: All lenders, best rates
1-2 years: Most lenders, rates +1-2%
6-12 months: Limited lenders, rates +3-5%
<6 months: Startup specialists only, high rates

Documentation needed:

2+ years: 2 years financials (tax returns, BAS)
1-2 years: 1 year financials + bank statements
<1 year: Business plan + personal financials

Our algorithm: Automatically filters lenders by business age. Scores 25 points for stability.

Our Business Loan Lender Network

12+ specialist business lenders

🏦 Major Banks (Big 4)

Commonwealth Bank Westpac NAB ANZ

Best for: 2+ years trading, revenue $500K+, excellent credit, secured loans, commercial property

🏦 Regional Banks & Non-Banks (8+)

Bank of Queensland Bendigo Bank Suncorp Pepper Money Liberty Financial Scottish Pacific Prospa +more

Best for: 1+ year trading, revenue $100K+, unsecured loans, working capital, equipment finance, startups

All lenders verified and actively accepting business loan applications as of October 2025. Rates and criteria updated monthly.

Real Example: Business Loan Matching

See what our algorithm shows

Example: Equipment Finance

Loan Amount: $150,000
Purpose: New machinery
Business Age: 3 years trading
Annual Revenue: $800,000
Revenue-to-Loan: 0.19x (19%)
Business Structure: Pty Ltd (ABN)
Industry: Manufacturing
Business Credit: 700 (Good)
Security: Equipment as collateral
DSCR: 1.6x

✅ Algorithm Results

Recommended Lenders: 9
Top Match: NAB (85% match)
Approval Probability: 85-95% (High)
Personalized Rate: 7.49%
Monthly Payment (5yr): $2,994.38
Processing Time: 5-10 days
Documents Needed: 2 years financials, ABN, equipment quote

Why this works: Strong revenue ($800K), good DSCR (1.6x), established business (3 years), good credit (700), asset-backed security all contribute to high match scores. Low revenue-to-loan ratio (19%) means low risk.

Our Business Loan Guarantee

If another broker finds you a better business loan rate that our algorithm missed, we'll match it and give you $500. We're that confident in our matching technology.