Business loans
A straightforward business loan, approved fast, up to $500,000
Working capital, stock, expansion or a bridge through a slow quarter. One application across a panel of 40+ lenders, with most approvals back in 24 to 48 hours. Low-doc and no-doc options available.
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How it works
A business loan without the runaround
You know what you need. A set amount, a sensible rate and an answer this week, not next month. You tell us the figure and what it is for, and we take one application to the lenders on our panel most likely to fund it well.
Low-doc and no-doc options are there if your paperwork is not ready. As a brokerage we compare across 40+ lenders rather than fitting you into one bank's product.
What you can use it for
Put the facility to work however your business needs it.
Working capital
Day-to-day breathing room to cover wages, rent and suppliers while receivables catch up.
Stock and inventory
Buy stock in bulk or ahead of a busy season, then repay as it sells through.
Expansion
Open a second site, take on staff or step up capacity when the demand is already there.
A bridge through a slow quarter
Keep fixed costs covered through a quiet stretch so the business comes out the other side intact.
A bigger contract
Fund the upfront labour and materials on a large job before the progress payments land.
One-off costs
Handle an unexpected bill, a repair or a single large expense without draining the operating account.
Why businesses choose Ventas
One application, 40+ lenders
You apply once and we take it to the lenders most likely to approve your amount and purpose at a competitive rate, instead of you repeating your story to bank after bank.
Answers in 24 to 48 hours
Most approvals come back within 24 to 48 hours, so you can plan around a real number instead of waiting weeks on a bank. If your deal will take longer, we tell you upfront.
Low-doc, nothing upfront
Many loans settle on bank statements rather than full financials, and there is nothing to pay to get a quote. Our broking fee is paid by the lender at settlement.
Know your rate before anyone touches your credit file
Getting a quote with us has no impact on your credit score and costs nothing. Send through the amount and the purpose and we will come back with what the panel can do, with most approvals inside 24 to 48 hours.
Free repayment estimator
See an indicative monthly repayment
Estimate only and not an offer of finance. Actual rates, terms and repayments depend on the asset, the lender and your circumstances. Get a free rate quote for real numbers.
Get my real numbersTerm, rate and repayment
What actually moves the repayment
Rate gets the attention, but term does more to the monthly number. Business loans commonly run two to seven years, and stretching the term lowers the repayment while raising the total interest you pay over the life of the loan. The right term is the one that matches how long the thing you are funding keeps earning, not the one that produces the smallest monthly figure.
Documentation level is the other lever. A low-doc application built from your ABN and GST details, a recent BAS or two and a few months of bank statements is the fastest route to an answer, often inside 24 to 48 hours. Full financials take longer to assemble but generally support a larger limit and sharper pricing. If your ABN is young, read borrowing without ABN history; if you want the low-doc file explained properly, see low-doc business loans.
One application, worked across the panel, is the point of using a broker rather than applying to lenders one at a time. Multiple direct applications leave multiple marks on your credit file and each lender sees the others. Put the amount and the purpose in the form above and we will come back with what the panel will actually do.
Business loans for operators across
We arrange business loans for sole traders, partnerships and companies right across the country. Everything happens online, one application covers the whole panel, and most approvals land within 24 to 48 hours wherever you trade.
Common questions
Business Loans, explained
How much can I borrow with a business loan?
We arrange business loans up to $500,000. The figure you qualify for depends on your turnover, time trading and the strength of your application. We will give you a realistic number early rather than a headline figure you cannot reach.
What can I use a business loan for?
Any genuine business purpose: working capital, stock, expansion, a large contract or a one-off cost. If it keeps the business trading or growing, there is usually a lender on our panel for it. If a different product suits the purpose better, we will say so.
How quickly can I get approved?
Most approvals come back within 24 to 48 hours. Having recent bank statements and basic business details ready is the single best way to speed things up. We will tell you upfront how soon you can realistically expect an answer.
Do I need full financials to apply?
Often not. Low-doc and no-doc options are available, and many loans settle on bank statements and basic business details. We will tell you exactly what a particular lender needs before you commit to anything.
Will getting a quote affect my credit score?
No. Getting a quote has no impact on your credit score. You see what the panel can offer first, then decide whether you want to proceed.
Are there any upfront fees?
No. There is nothing to pay to apply or to get a quote, and our broking fee is paid by the lender at settlement. Keep in mind this is business-purpose finance only, so the loan must be for your business rather than personal use.