Business loans, made clear.
Need a business loan? Whether you need working capital, funds to grow or a facility to smooth out cash flow, we work hard to deliver the sharpest deal. We're known for delivering sharper rates than the banks, with funding strategically structured around your business.
Low Doc Business Loans
A low doc business loan lets eligible ABN holders borrow without a full set of financial statements and tax returns. Instead of full financials, lenders assess your ABN and GST history, business bank statements and credit profile.
Read more →No Doc Business Loans
A no doc business loan minimises the documentation required, with eligible applications assessed largely on your ABN, GST registration and clean credit rather than financials or bank statements.
Read more →Bad Credit Business Loans
A past default, judgment or ATO issue doesn’t automatically rule out funding. Specialist lenders weigh your current trading performance and cash flow, not just your credit history.
Read more →Fast Business Loans
When cash flow is tight or an opportunity is in front of you, speed matters. A fast business loan can deliver a same-day indicative answer and funds within 24 to 48 hours on eligible applications.
Read more →Startup & New Business Loans
Newer ABNs and startups can still access funding, though the requirements differ from those for established businesses. Some lenders consider relevant experience, consistent revenue and a clean credit profile.
Read more →Refinance & Debt Consolidation
Refinancing an existing business loan can lower your rate, free up cash flow or consolidate several facilities into one manageable repayment. We compare your current deal against a panel of 80+ lenders.
Read more →Indicative rate guide
Rates generally start from around 7.49% p.a. for secured funding and range higher for unsecured facilities. A starting point only — your actual rate depends on the product, any security, the amount and term, your turnover, ABN history and the credit assessment.
| Scenario | Indicative rate | Notes |
|---|---|---|
| Secured business loan (property or asset backed) | from 7.49% p.a. | Strong ABN, clean credit and real-property or asset security |
| Unsecured business loan | from 12.95% p.a. | No property security — priced on turnover, trading history and credit profile |
| Line of credit / overdraft | from 10.95% p.a. | Interest charged only on the funds you draw |
| Invoice / debtor finance | from 0.5% per 30 days | Priced as a discount fee against the invoices funded, not a fixed p.a. rate |
| Short-term / cash-flow loan | case by case | Fast, flexible funding priced on turnover and the term of the advance |
| New-to-industry / new ABN | case by case | Additional documentation, security or a shorter term may be required |
Indicative rates only and subject to change. The rate available will depend on the lender, loan amount and term, any security, business trading history, credit profile and other eligibility criteria. Fees and charges may apply. Finance is subject to lender approval and lending criteria. Overdrive Commercial Funding (ABN 87 659 049 895), authorised credit representative of Connective Credit Services Pty Ltd, Australian Credit Licence 389328.