Small Business Finance
Financing options designed around the needs of eligible small businesses seeking to strengthen operations, manage expenses and pursue new opportunities.
Practical financing for your next business step
Small businesses often need access to funding to manage everyday commitments, purchase essential equipment or invest in growth. We assess financing enquiries based on each business's circumstances and intended use of funds.
Day-to-Day Operations
Explore funding for eligible operating expenses, supplier payments and other business commitments.
Equipment and Technology
Consider financing for qualifying machinery, tools, technology and other business equipment.
Business Development
Explore financing for eligible expansion plans, additional capacity and new business opportunities.
Financing that considers your business needs
- Financing options for eligible registered small businesses.
- Funding considered for a range of legitimate business purposes.
- Individual review of business circumstances and requirements.
- Clear information about applicable rates, fees and conditions.
- No early repayment penalties under the stated programme terms.
Financing from $4,999
Eligible business financing starts at $4,999. Advertised interest rates start from 5.2%. Your actual rate and approved amount depend on the financing product, business assessment, location and applicable conditions.
All proposed costs and repayment obligations will be explained before you decide whether to proceed.
Start Your ApplicationWhat could your business use financing for?
Eligible financing purposes may vary depending on the product and the outcome of your application assessment.
Working Capital
Manage eligible operating expenses, supplier obligations and short-term business cash flow requirements.
Inventory and Supplies
Consider funding for qualifying inventory, materials and supplies required for business operations.
Equipment Purchases
Finance eligible machinery, tools, office equipment and other productive business assets.
Marketing and Development
Explore financing for eligible business development, marketing activities and growth initiatives.
Premises and Improvements
Consider eligible costs associated with business premises, renovations and operational improvements.
Additional Business Capacity
Support eligible plans to increase production, improve services or expand business operations.
Who may apply?
Small business financing enquiries are open to eligible registered businesses seeking funding for legitimate commercial purposes.
Registered Business
Applicants should provide their registered business name, business address and relevant contact details.
Business Purpose
The intended use of funds should be clearly explained and may be reviewed as part of the assessment.
Repayment Capacity
Business income, cash flow, existing obligations and the ability to meet repayments may be considered.
Three steps to request financing
Submit Your Enquiry
Provide your business details, requested amount and intended use of the financing.
Business Review
Your enquiry is assessed. Additional information or supporting documents may be requested.
Review Your Terms
If conditionally approved, review the proposed financing amount, interest rate, fees and repayment obligations before accepting.
Explore other business financing options
Working Capital
Financing options for eligible day-to-day business cash flow and operating requirements.
Explore Working CapitalEquipment Finance
Funding options for qualifying business machinery and equipment.
Explore Equipment FinanceBusiness Expansion
Financing for eligible projects intended to grow business capacity and reach.
Explore Business ExpansionSmall business finance FAQs
What qualifies as a small business?
Business size classifications vary by location and industry. Submit your business details so the relevant eligibility requirements can be considered.
What can small business financing be used for?
Depending on the product, eligible purposes may include working capital, inventory, equipment, business improvements and expansion-related expenses.
What is the minimum financing amount?
Eligible business financing starts at $4,999. The amount available depends on your application and assessment.
What interest rate applies?
Advertised interest rates start from 5.2%. Your actual rate depends on the product, business assessment, location and final financing terms.
Will collateral be required?
Collateral or additional guarantees may be required depending on the financing product, amount and assessment outcome.
Are there additional fees?
A due diligence and underwriting fee may apply. Its amount and payment timing depend on the financing terms and will be disclosed before you commit.
Can I repay early?
There are no early repayment penalties under the stated programme terms. Your final agreement will explain the applicable repayment arrangements.
How soon will I receive a response?
We aim to respond to initial enquiries within 1–3 business days. Further review or document requests may affect the overall assessment time.
Give Your Business Room to Grow
Tell us about your business and financing requirements. Our team will review your enquiry and explain the next steps.