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rated excellent – 4.8 out of 5.

Trust Pilot 5 Stars

Small business loans from $5k to $300k

Fast, affordable small business loans to keep your business moving.

Personalised solutions to match your business needs

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Small Business Loan

$5k – $300k

Quick access to a lump sum to cover one-off expenses or invest in your business.

  • Borrow between $5,000 and $300,000
  • Fixed term between 3 and 36 months
  • Flexible repayments and early payout available
  • Fast application and decision
  • Funding possible in 24 hours
  • Interest rates based on your business circumstances

*Does not affect your credit score

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Business Line of Credit

$2k – $100k

Quick access to a lump sum to cover one-off expenses or invest in your business.

  • Line of credit between $2,000 and $100,000
  • Renewable 12-month term
  • Only pay interest on what you use
  • Fast application and decision
  • Funding possible in 24 hours
  • Interest rates based on your business circumstances

*Does not affect your credit score

A faster, easier approach to business lending.

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Check if you qualify

If your monthly turnover is more than $6,000 and you have over 12 months trading history, you’re ready to go.

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Apply in 30 Seconds

You need an active ABN, business bank account details & driver license details (plus business financials for loans over $150,000).

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Get back to Business

With funding possible in 24-48 hours you can access cash and get back to business.

*does not affect your credit score

in funding to date;

Café CASE STUDY

HOW THIS Café UPGRADED EQUIPMENT & GREW BY 15%

Opportunity: The owner needed funds to refresh the café with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the café was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone.

Great service.

Customer Reviews for offer Page - Cropped and Trans

*Does not affect your credit score

Examples of how we help client’s.

victoria-kubiaki-4zubM5mJIwI-unsplash

Restaurant

Opportunity: The owner needed funds to refresh the restaurant with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the restaurant was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone. Read More …

dentist

Dental

Opportunity: The clinic needed $75,000 to upgrade high-tech equipment.

Solution: A previous loan to update digital x-ray equipment improved the clinic’s yield threefold. This time, the funds were used to upgrade ultrasound equipment. . Read More …

retail - hero image

Retail

Opportunity: : The store needed to pay in advance for extra stock for Christmas trading to secure a discounted price and maximise revenue opportunities.

Solution: With tax debt, traditional lending wasn’t an option. A loan of $30,000 helped the store owner purchase bulk stock at a 40% discount and run a sales promotion – generating ROI of 13%. Read More …

victoria-kubiaki-4zubM5mJIwI-unsplash

Restaurant

Opportunity: The owner needed funds to refresh the restaurant with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the restaurant was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone. Read More …

dentist

Dental

Opportunity: The clinic needed $75,000 to upgrade high-tech equipment.

Solution: A previous loan to update digital x-ray equipment improved the clinic’s yield threefold. This time, the funds were used to upgrade ultrasound equipment. . Read More …

retail - hero image

Retail

Opportunity: : The store needed to pay in advance for extra stock for Christmas trading to secure a discounted price and maximise revenue opportunities.

Solution: With tax debt, traditional lending wasn’t an option. A loan of $30,000 helped the store owner purchase bulk stock at a 40% discount and run a sales promotion – generating ROI of 13%. Read More …

Borrow more for your business with an unsecured business loan

Boost your cash flow, manage uncertainty or adapt and grow your business with a business loan of $2,000 to $300,000.

What could you business do with more of? Here are some popular reasons our client’s get a Business Loan:

Boost Cash Flow
Purchase equipment
Marketing campaigns
Upgrade equipment
A renovation or fit out
Buy office furniture

*does not affect your credit score

Trust Pilot 5 Stars

rated excellent – 4.8 out of 5.

this is what people are saying;

HS Adjusted 300 x 300
Verified - Trans

simple and fast.

I want to thank you for making this process easy and simple to understand. 

I thought it was going to be very difficult to have a loan accepted after my bank knocked me back but you managed to get it done within days. 

I will definitely pass on your details to anyone I know

Thank you

A Alet.

HS Adjusted
Verified - Trans

absolutely awesome.

Absolutely awesome, can not thank Cameron enough for everything he has done, we had a complicated situation but nothing was to hard, quick response either by phone or email, quick and easy process.

If your looking for a loan give these guys a go, highly recommended

John.

HS Adjusted 400 x 400
Verified - Trans

professionalism at it’s best.

I started my initial contact on a Friday afternoon and the loan was settled on Monday afternoon.

Michael Lim set the requirements out in crystal clear terms, followed up with a call (no beating around the bush).

The loan was approved with a super competitive interest rate. Great experience and outcome!

Thank you Mr Lim!

M Ramasubramania.

see more fully verified reviews – click here

More ways we have helped client’s.

victoria-kubiaki-4zubM5mJIwI-unsplash

Restaurant

Opportunity: The owner needed funds to refresh the restaurant with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the restaurant was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone. Read More …

dentist

Dental

Opportunity: The clinic needed $75,000 to upgrade high-tech equipment.

Solution: A previous loan to update digital x-ray equipment improved the clinic’s yield threefold. This time, the funds were used to upgrade ultrasound equipment. . Read More …

Business Loans

Retail

Opportunity: : The store needed to pay in advance for extra stock for Christmas trading to secure a discounted price and maximise revenue opportunities.

Solution: With tax debt, traditional lending wasn’t an option. A loan of $30,000 helped the store owner purchase bulk stock at a 40% discount and run a sales promotion – generating ROI of 13%. Read More …

Common questions and more;

  • How fast will I get a decision?

    Under normal circumstances, we can often provide a response in one hour – as long as you apply during standard business hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements we can provide a decision in as little as one business day.

    How fast will I get the money?

    Under normal circumstances, if you apply before 4pm on a business day and your application is approved, it is possible to have money in your account the next business day.

    How much can I borrow?

    The total amount of your loan will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business and based on this information, Prospa may be able to provide you with funding. Our products offer funding up to $300,000.

*does not affect your credit score at this stage

Talk to a Lending Specialist

Leave your details below and one of our Business Lending Specialists will get in touch to help you find a solution that matches your needs.

IMPORTANT INFORMATION

All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 6.49%pa to 22.95%pa 

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly

*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.

© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd

IMPORTANT INFORMATION

All applications are Approved by the lenders in full. Terms, conditions, fees and charges apply and will be advised upfront or within any loan compliance documents. All applications are subject to the lenders approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms generally range from 18 months to 7 years. Interest rates range from lender, however start from an indicative 6.49%pa to 22.95%pa 

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: Comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change and advertised by the lenders directly

*Please also note that an application with Financemi does not affect your credit score, however upon formal submission to a lender you will be subject to credit review and submission to the industry reporting body.

© 2018 Financemi Group Pty Ltd ABN 40 627 585 175. A Member of AFG Ltd, Australian Credit Licence 389087. www.financemi.com.au is fully owned and operated by Financemi Group Pty Ltd