Business funding

Business funding structured around your goal, up to $6 million

Tell us what you are trying to do. We match the goal to the right structure across a panel of 40+ lenders, from term loans and overdrafts to equipment, trade and property-backed lending. One application, nothing to pay upfront.

$6M 40+ 24-48h

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Up to $500K
Fund almost any business asset
24-48 hour approvals
Approved today, on site tomorrow
Low-doc & no-doc
No financials needed
40+ lenders
One application, the sharpest rate

Structure first

The structure matters as much as the money

Two businesses can borrow the same amount for completely different reasons, and the right answer is rarely the same product. A loan is one instrument among several.

We start with the goal, the timeline and what you can offer as security, then build the funding around it: a term loan for a defined project, an overdraft for headroom, equipment finance for assets, a trade facility for stock, or property-backed lending when the number is large. Because we broker across 40+ lenders, we are never forced to bend your goal to fit one bank's product.

What you can use it for

Put the facility to work however your business needs it.

Open your next site

A second location is rarely one loan. We often blend fit-out funding, equipment finance and working capital so each part of the project sits in the structure built for it.

Acquire a business

Buying a competitor or a book of clients needs funding sized to the deal. For larger acquisitions, property-backed lending takes the ceiling to $6 million.

Win a major contract

Big contracts cost money before they pay. A trade facility for materials, gear on equipment finance and an overdraft for the timing gap keeps the job funded end to end.

Buy your premises

Owning the building your business trades from changes the economics of the whole operation. Property-backed lending to $6 million funds the purchase, and new businesses are welcome.

Tidy a messy facility stack

Growth often leaves a trail of overlapping facilities on different terms. We restructure them into something deliberate, with each dollar of debt doing a defined job.

Scale production capacity

Stepping up output usually means machinery, stock and headroom at the same time. We fund each piece through the structure that suits it rather than one blunt lump sum.

$500K
Maximum finance
24-48HR
Typical approval time
40+
Lenders on our panel

Why businesses choose Ventas

01

One goal, five structures

Term loans, overdrafts, equipment finance, trade facilities and property-backed lending are different tools. We pick the one that fits the goal, or combine them, instead of selling whatever is on the shelf.

02

One application, 40+ lenders

You tell us the goal once. We take it to the lenders on our panel most likely to fund that structure well, and getting a quote has no impact on your credit score.

03

Honest about the trade-offs

Every structure has a cost, a term and a consequence. We will spell out which one you are taking on and why, and we will say plainly if borrowing is not the right move yet.

Not sure which structure fits? That is exactly what to ask us

Describe the goal in plain terms: the site, the acquisition, the contract, the premises. We come back with the structures that fit and the lenders likely to fund them. The assessment is free, there are no upfront fees, and getting a quote has no impact on your credit score.

Get a free rate quote

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Business funding for operators across

We structure funding for established operators, growing companies and new businesses right across the country. Everything is handled online with one application, and we run the lender legwork across the panel of 40+ so you can stay focused on the goal itself.

Ashfield Auburn Bankstown Banora Point Baulkham Hills Bexley Blacktown Bossley Park Burwood Cabramatta Campbelltown Campsie Carlingford Castle Hill Casula Chatswood Cherrybrook Concord Coogee Cranebrook Cronulla Dee Why Earlwood Eastwood Engadine Fairfield Forster Frenchs Forest Glenmore Park Glenwood Granville Greenacre Greystanes Guildford Hornsby Hurstville Ingleburn Kellyville Kogarah Lakemba Leichhardt Lidcombe Liverpool Manly Maroubra Marrickville Marsden Park Mascot Merrylands Miranda Mosman Mount Druitt Newtown North Kellyville Oran Park Parramatta Penrith Prestons Punchbowl Quakers Hill Randwick Revesby Rockdale Rooty Hill Ryde Schofields Seven Hills St Clair St Ives Strathfield Surry Hills Sutherland Sydney Taree The Ponds Toongabbie Umina Beach Wahroonga Waterloo Wentworthville West Pennant Hills Westmead Wetherill Park Yagoona Altona Meadows Ascot Vale Balwyn North Belmont Bentleigh Bentleigh East Berwick Blackburn Boronia Box Hill Brighton Brighton East Brunswick Brunswick West Bundoora Camberwell Carlton Carnegie Caroline Springs Carrum Downs Caulfield North Cheltenham Clayton Clyde North Coburg Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Deer Park Docklands Doncaster Doncaster East Doreen Drouin Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Footscray Frankston Frankston South Glen Iris Glen Waverley Glenroy Greensborough Greenvale Grovedale Hampton Park Hawthorn Hawthorn East Highton Hillside Hoppers Crossing Keilor East Kew Keysborough Lalor Langwarrin Lara Lilydale Malvern East Meadow Heights Melbourne Melton Mernda Mickleham Mill Park Mitcham Moonee Ponds Mooroolbark Mornington Mount Eliza Mount Martha Mount Waverley Mulgrave Narre Warren Narre Warren South Noble Park North Melbourne Northcote Ocean Grove Officer Pakenham Pascoe Vale Point Cook Port Melbourne Preston Reservoir Ringwood Rosebud Rowville Roxburgh Park Seaford South Morang South Yarra Southbank Springvale St Albans St Kilda Sunbury Sunshine Sunshine West Tarneit Taylors Hill Taylors Lakes Templestowe Thomastown Thornbury Torquay Truganina Wallan Wantirna Wantirna South Warragul Werribee West Wodonga Wheelers Hill Whittlesea Williamstown Wollert Wyndham Vale Yarraville Albany Creek Alexandra Hills Birkdale Bracken Ridge Brisbane Browns Plains Buderim Burleigh Waters Burpengary Caboolture Calamvale Caloundra Capalaba Carindale Cleveland Coomera Coorparoo Deception Bay Eight Mile Plains Forest Lake Gold Coast Helensvale Hope Island Inala Ipswich Kallangur Kirwan Labrador Logan Mango Hill Maroochydore Marsden Mooloolaba Morayfield Moreton Bay Mudgeeraba Narangba Nerang North Lakes Ormeau Pacific Pines Palm Beach Pimpama Redbank Plains Redland Bay Redlands Robina Rochedale South Runcorn South Brisbane Southport Springfield Lakes Springwood Sunnybank Hills Sunshine Coast Surfers Paradise The Gap Thornlands Upper Coomera Varsity Lakes Victoria Point West End Armadale Australind Baldivis Ballajura Bayswater Byford Canning Vale Como Dianella Duncraig Ellenbrook Fremantle Gosnells Halls Head Joondalup Landsdale Mandurah Midland Morley Perth Piara Waters Rockingham Scarborough Stirling Thornlie Wanneroo Willetton Adelaide Elizabeth Gawler Marion Modbury Morphett Vale Parafield Gardens Paralowie Prospect Salisbury Tea Tree Gully Hobart Belconnen Canberra Gungahlin Kambah Tuggeranong Woden Darwin

Common questions

Business Funding, explained

How much business funding can I access?

Equipment, business and working-capital facilities run up to $500,000. Property-backed lending takes the ceiling to $6 million. Where you land depends on the goal, your trading history and the security available, and we will give you a clear figure once we see the picture.

What funding structures can you arrange?

Term loans, overdrafts, equipment finance, trade facilities and property-backed lending, all business purpose. We are a broker with a panel of 40+ lenders, so we match the structure to your goal rather than fitting your goal to one product.

How do you decide which structure fits my goal?

We look at what the money does, how long it works for you, and how it gets repaid. An asset with a working life suits equipment finance, a timing gap suits an overdraft or trade facility, and a large or long-term goal often suits property-backed lending. Then we take that structure to the lenders most likely to fund it.

Can I combine more than one structure?

Yes, and for bigger goals it is often the better answer. A new site might pair equipment finance for the gear with a working-capital facility for the opening months. Splitting the funding this way usually beats one oversized loan doing every job badly.

How long does approval take?

Facilities up to $500,000 typically come back in 24 to 48 hours. Property-backed lending takes longer because valuation and security work is involved, and we will give you a realistic timeline before you commit to anything.

What does it cost to find out my options?

Nothing. There are no upfront fees, the assessment is free, and getting a quote has no impact on your credit score. Our broking fee is paid by the lender at settlement, not by you.