Small business loans2023-10-09T17:19:42+13:00

Small Business Loans

Spartan finance brings competitive rates and individual flexibility to business lending, so you can keep moving forward.

Business loans designed to meet your financial needs.

Our solutions are customised to suit you and with our prompt, application and approval process you can quickly expand your business opportunities.

Spartan Finance offers business loans to cover all sorts of things

  • Payroll

  • Manage cashflow

  • Consulting & processes

  • New hires

  • Replacement chattels

  • Marketing campaigns

  • Equipment upgrades

  • Vehicles and trucks

  • Computer upgrades

  • SAS software

  • New market growth

  • Commercial Electric Vehicles

Expert finance solutions that take you further.

  • Clear, transparent pricing
  • Quick access to cash, with flexible terms
  • We recommend separating your business debt from your personal assets, so no property security required
  • Cashflow friendly repayments with no surprises.

Frequently asked questions

How much deposit would I need?2021-08-30T13:32:24+12:00

We can look at zero deposit deals (100% finance) on both new and used assets. We will look at each application in terms of affordability and individual customer circustances and tailor-make a solution that best fits your needs.

What interest rate do you charge?2019-10-04T10:14:08+13:00

Interest rates vary depending on your current financial situation, and these would be discussed and agreed with you before you finalise your finance agreement.

How much finance can I get?2019-10-10T12:08:07+13:00

You can apply for asset financing in a single application from a minimum of $10,000.

What sort of financial information do you need?2019-10-04T10:11:56+13:00

We may ask for a summary of your business’s financial situation, for example your latest financial accounts, management accounts to date and/or a budget/forecast and we may also request your bank statements to show that on a monthly basis, you can afford the repayments when they are due.

Why is asset finance different to a loan or overdraft?2019-10-04T10:10:09+13:00

Asset finance, unlike an overdraft, it’s not repayable on demand. Assessment criteria may be more flexible because we take the quality of the asset into account — whether it’s new or used — and we focus on the asset only as opposed to taking your house as security.

With a Business Loan, you are lent a certain sum of money over a period of years, and the interest rate and monthly payments are typically fixed over the term.

How do I know if you’ll lend to my business?2019-10-04T10:08:09+13:00

Every request for finance that we receive is individually assessed across a number of different factors; your credit check is just one of those. However, we are flexible and our team of experienced underwriters will review all the features of your application.

Even if you don’t meet our lending criteria, we can still refer your request to another underwriter who specialises in lending to businesses such as yours. As a responsible lender, we want to ensure that you can meet the repayments on your finance agreement so you can be confident that we will never send your information to a funder who doesn’t share this value.


Can I choose my repayment date and amount?2019-10-04T10:17:58+13:00

The amount you pay each month will be determined by the structure of the deal and the payment date is flexible and can be chosen by you.

Can I fund the GST portion of my purchase?2019-10-04T10:20:22+13:00

We can fund the GST inclusive purchase price of the asset purchase and can structure the GST to come back as a lump sum repayment in either the third or seventh month depending on your GST cycle.

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Take the hassle out of your asset and equipment finance needs. Get a solution that works for you, today and in the future.

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