All loans & guides
Every business finance option we cover, in one place. Not sure where to start? The 60-second form will point you the right way.
Business loans in Australia, made simple
Business loans in Australia can be simple. Just Business Loans connects owners with private and specialist lenders through two easy routes: property-secured loans from $20,000 to $5 million with no tax returns or financials, or unsecured loans for businesses with an ABN and at least six months of trading.
Easy business loans, minus the bank hoops
An easy business loan asks for only what the lender needs to decide: your security or your cash flow, what the money is for and how you'll repay it. Through Just Business Loans, that means no tax returns for property-secured loans and just bank statements for unsecured loans, plus a real person guiding you.
Simple business loans in three steps
Simple business loans come down to three steps: fill in a 60-second online form, chat with a real person who matches you to the right route, then provide a handful of documents for the lender. Property owners skip tax returns entirely, and businesses without property mostly just share bank statements.
No doc business loans. Actually no docs.
No doc business loans let property owners borrow from $20,000 to $5 million without tax returns, financial statements or cash-flow records. The property you own is the security, so lenders mainly need your ID, property and existing loan details, what the funds are for and how you plan to repay the loan.
Low doc business loans: your bank statements do the talking
Low doc business loans are assessed mainly on your business bank statements instead of full financial statements or tax returns. If you have an ABN and at least six months of trading, lenders can review your statements through a secure read-only bank link in minutes and decide based on your real cash flow.
Bad credit? Your business can still borrow
Yes, you can get a business loan with bad credit in Australia. Defaults, arrears, tax debt, Part IX debt agreements and other credit events are considered case by case. Property-secured loans focus on your equity more than your credit file, while unsecured loans focus on whether your cash flow supports repayments.
Unsecured business loans. Keep the house out of it.
Unsecured business loans let you borrow without offering property as security. In Australia you'll usually need an ABN, at least six months of trading and business bank statements showing steady income. The amount depends on your turnover and cash flow, and lenders can consider weaker credit if cash flow supports repayments.
Small business loans for Australia's small businesses
Small business loans in Australia are available to sole traders, partnerships, companies and trusts through two simple routes. Owners with property can borrow from $20,000 to $5 million with no tax returns, while businesses with an ABN and six months of trading can apply for unsecured loans based on bank statements.
Easy business finance, explained without the jargon
Easy business finance comes down to two simple options. If you own property, you can borrow $20,000 to $5 million against it with no tax returns or financials. If you don't, an unsecured cash-flow loan may work with an ABN, six months of trading and your business bank statements. Pick your road, share a few documents, done.
Second mortgage business loans: keep your home loan, use your equity
A second mortgage business loan lets you borrow against the equity in a residential or commercial property while your existing home loan stays in place. There's no refinancing and no tax returns or financials required. Loans range from $20,000 to $5 million, with approval driven mainly by the property and a clear repayment plan.
A business loan to pay ATO debt, without the paperwork pile-up
Yes, you can use a business loan to pay ATO debt, including overdue BAS, GST, PAYG withholding and super arrears. Property owners can borrow against equity with no tax returns or financials needed, even with the debt on file. Businesses without property may qualify for an unsecured loan with an ABN and six months of trading.
Sole trader business loans, minus the fuss
Yes, sole traders can get business loans. If you own property, a property-secured loan can work without tax returns or financials. If you don't, an unsecured loan is possible once you have an ABN and at least six months of trading, with approval based mostly on your business bank statements.
Self employed business loans for people without payslips
Self employed business loans don't rely on payslips. If you own property, you can borrow $20,000 to $5 million against it without tax returns or financials, even if your income jumps around. Without property, an unsecured loan may suit if you have an ABN, six months of trading and business bank statements showing steady cash flow.
Business loans for tradies, as easy as knocking off at 3pm
Business loans for tradies can fund tools, utes, materials and cash-flow gaps while you wait on progress payments. Tradies who own property can borrow $20,000 to $5 million with no tax returns or financials. Those without property may qualify for an unsecured loan with an ABN, six months of trading and business bank statements.
Business loans for new businesses: what's possible from day one
Business loans for new businesses depend mainly on whether you own property. Property owners can use a property-secured loan even if the business started last week, with no trading history or financials required. Unsecured startup business loans generally need an ABN and at least six months of trading, assessed on your business bank statements.
The business loan documents checklist (it's short, promise)
For a property-secured business loan, you need photo ID, property details, your existing mortgage details, the loan purpose and your exit plan. No tax returns or financials. For an unsecured business loan, you need photo ID, an ABN with 6+ months of trading and your business bank statements, often shared through a secure read-only link.