Small Business Loans

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.

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

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

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.

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.

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.

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.

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.