Aussie business loans, made easy

Just.Business.Loans.

That's it. One quick form, a real person, and your options — without the 40-page application or three trips to the bank.

Just show me my options How it works
What you won't need
  • Tax returns
  • A business plan
  • Three bank meetings
  • A finance dictionary
What you will need
  • About 60 seconds
  • Your phone
  • A rough idea of the amount
  • That's it
Happy Australian business owner celebrating her approved business loan on her phone
Easy mode: ONNo doc option ✓Bad credit? OK
The paperwork-o-meter

Banks love paperwork. We… don't.

Most business owners give up on bank loans because of the paperwork. We built the whole thing around needing as little as possible.

The usual bank loan

  • Tax returns ✓ needed
  • Financial statements ✓ needed
  • Business plan often
  • Clean credit file usually
  • Time to a decision weeks

Just Business Loans

  • Tax returns not for no doc
  • Financial statements not needed
  • Business plan nope
  • Credit hiccups considered
  • Time to your options fast
Pick your easy

Two simple routes. The form picks for you.

Got property?

No doc business loans

Borrow against a home, investment or commercial property — even with a mortgage on it.

  • $20k to $5 million
  • No tax returns or financials
  • Bad credit and ATO debt considered
  • Funding possible within 24 hours of approval
No doc loans
No property?

Low doc business loans

Unsecured funding based mostly on your business bank statements.

  • ABN and 6+ months trading
  • Bank statements instead of financials
  • Weaker credit considered
  • Some loans funded same day
Low doc loans
How it works

Three steps. That's the whole thing.

1

Tap a few answers

About 60 seconds on your phone. What it's for, how much, and whether you own property.

2

Have a quick chat

A real person who knows business lending gets back to you and asks the handful of things that matter.

3

Pick your option

Choose the loan that suits. Property-secured loans can fund within 24 hours of approval.

60-second form

Just tap a few answers.

No long forms. No uploads to start. A real person gets back to you with your options.

  • Won't affect your credit score
  • No cost, no obligation
  • Sole traders, companies and trusts
  • Every state and territory
Handy guides

Every business loan, explained simply

No jargon. No waffle. Just what you need to know.

Business LoansTwo simple routes to business funding across Australia, with the least paperwork possible.Easy Business LoansWhat makes a business loan easy, why banks make it hard, and how to skip the hoops.Simple Business LoansThree steps and a plain-English jargon buster. Business finance without the headache.No Doc LoansBorrow against property with no tax returns, no financials and no accountant chasing.Low Doc LoansSwap the tax returns for bank statements. Business funding based on real cash flow.Bad Credit LoansDefaults, arrears or a Part IX? Your credit file doesn't have to be the final word.Unsecured LoansBusiness funding with no property on the line. Just an ABN, trading history and statements.Small Business LoansFunding built for sole traders, family businesses and small teams, without the big-bank paperwork.Easy Business FinanceTwo roads, a handful of documents and no finance-speak. Business finance made easy.Second Mortgage LoansLeave your home loan alone. Borrow against the equity sitting behind it instead.ATO Debt LoansClear the BAS, GST, PAYG or super backlog in one hit and get the ATO off your mind.Sole Trader LoansFlying solo under your own ABN? Here's the simple way to borrow for your business.Self Employed LoansNo payslips, lumpy income or returns still with the accountant? Borrowing made simple.Tradie LoansTools, utes, materials or a slow-paying builder? Simple finance made for tradies.New Business LoansBrand new ABN or buying an existing business? Here's what you can borrow, and when.Loan ChecklistExactly what documents you need for a business loan. Two short lists and nothing more.
Built for real businesses

From the smoko room to the shop floor

Bright yellow food truck serving customers
Food & hospo
Mechanic smiling while working on a car
Auto & trades
Bakery owner behind a counter full of fresh bread and pastries
Retail
Smiling construction worker in hi-vis vest and hard hat
Construction
FAQ

Simple answers

Is it really no doc?

For property-secured loans, yes. You will not need tax returns, financial statements or cash-flow records — just ID, property and existing loan details, what the money is for and how you plan to repay it. Unsecured loans are low doc, assessed mainly on your business bank statements.

Will this hurt my credit score?

No. The form is an enquiry, not a credit application, so nothing is recorded on your credit file. A credit check only happens later, with your permission, if you choose to proceed with a lender.

Can I get a business loan with bad credit?

Often, yes. Property-secured lenders focus on your equity and your exit plan, so defaults, arrears and ATO debt are considered case by case. Unsecured lenders can also look past weaker credit if your bank statements show steady cash flow.

How much can I borrow?

Property-secured business loans run from $20,000 to $5 million, depending on your equity and the purpose. Unsecured loan amounts are based on your turnover and cash flow, so they vary from business to business.

Do I need to own property?

No. Property owners can use the no doc route, which suits bigger amounts and messy credit. Without property, you can apply for an unsecured low doc loan if you have an ABN and at least six months of trading.

How quickly can I get funded?

Property-secured loans can fund within 24 hours of approval, depending on documents and settlement. Some unsecured loans are funded the same day. The form takes about a minute, and a real person gets back to you quickly.

All the FAQs →

Just do it.
(The form, we mean.)

Sixty seconds. No paperwork to start. Your options, from a real person.

Just show me my options
Just show me my options