Small Business Finance is an information and resources website for Australian small businesses. Explore business finance topics including working capital, business acquisition, plant & equipment leasing, business start-up loans, franchise funding, loan refinancing and commercial property.
Learn how to compare business loan rates, fees and features, and understand options offered by bank, non-bank and private lenders. Explore our articles, news and calculators for general information, not personalised financial or credit advice. Calculator results are estimates based on assumptions, not quotes, offers, approval or eligibility assessments. This website does not accept finance enquiries or refer visitors to brokers or lenders.
Frequently Asked Questions
Range of Purposes
Working capital, business acquisition, plant & equipment leasing, business start-up loans, franchise funding, loan refinancing and commercial property.
Learn how self-employment, credit history, previous bankruptcy, available deposits and business financial records may affect business loan applications. Eligibility criteria vary by lender and loan type.
Get practical financial information, news, guides and resources. A MoneyTips subscription is for informational content, not a finance enquiry or referral request.
When comparing business loans from banks, non-bank and private lenders, consider interest rates, fees, repayment terms and security requirements. A broker may compare products from a lender panel, which may not cover the whole market.
Lenders may conduct a credit check as part of their assessment processes. Multiple credit enquiries can affect a credit profile and may influence lending decisions. Learn about business credit and how it relates to borrowing.
Alternative lending gives small businesses access to finance outside traditional banks. This guide explains common non-bank funding options, how they differ from bank loans, and what Australian business owners should review before applying. - read more
Embarking on a startup journey is an exhilarating challenge that requires not just a brilliant idea, but a solid foundation of financial support to turn that idea into reality. Finding the right funding can be a make-or-break moment for many startups. Here, preparation is more than just a good practice; it's the backbone of any successful loan application. - read more
Australian small businesses that use credit cards to manage tax payment timing have been given extra breathing room, after the federal government confirmed the ATO will continue accepting credit card payments until 30 June 2027. The reprieve follows backlash over the ATO’s earlier plan to stop direct credit card payments after 30 November 2026, a change linked to the national card surcharge reforms that began on 1 October. - read more
Fresh industry attention on small business debt stress is a timely reminder that borrowing pressure rarely appears overnight. For many Australian SMEs, the squeeze builds gradually: a slower sales month, higher supplier costs, delayed customer payments, tax instalments, payroll commitments and existing loan repayments all competing for the same working capital. - read more
Debt Consolidation: A means empoyed to renegotiate debt. By combining loans and outstanding bills, a person can consolidate debt with a single financial institution resulting in a single monthly repayment.
