Business loans
The right funding for every stage
Five ways to fund an Australian business — compared side by side.
Australian businesses can borrow $5,000 to $5 million through CreditAU. Unsecured and fast loans start around 14% p.a.; secured loans and equipment finance start around 8% p.a. because an asset backs the loan. A line of credit suits ongoing cash flow needs.
| Loan | Amount | Rate | Term | Speed | Details |
|---|---|---|---|---|---|
| Fast Business Loan | $5K – $5M | From ~14% p.a. | 3 – 24 months | Same-day funding available | Details |
| Unsecured Business Loan | $5K – $1M | From ~14% p.a. | 3 – 36 months | Decision in hours | Details |
| Secured Business Loan | $20K – $5M | From ~8% p.a. | 12 – 60 months | Decision in 1–2 days | Details |
| Equipment Finance | $5K – $5M | From ~7.9% p.a. | 12 – 60 months | Decision in 1–2 days | Details |
| Business Line of Credit | Up to $2M | From ~12% p.a. | Revolving | Decision in hours | Details |
Fast Business Loan
Quick capital with a decision in hours and same-day settlement available.
- Amount
- $5K – $5M
- Rate
- From ~14% p.a.
- Term
- 3 – 24 months
- Speed
- Same-day funding available
Unsecured Business Loan
Borrow without putting property or assets up as security.
- Amount
- $5K – $1M
- Rate
- From ~14% p.a.
- Term
- 3 – 36 months
- Speed
- Decision in hours
Secured Business Loan
Use property or equipment as security for lower rates and higher limits.
- Amount
- $20K – $5M
- Rate
- From ~8% p.a.
- Term
- 12 – 60 months
- Speed
- Decision in 1–2 days
Equipment Finance
Finance vehicles, machinery and tech, with the asset as security.
- Amount
- $5K – $5M
- Rate
- From ~7.9% p.a.
- Term
- 12 – 60 months
- Speed
- Decision in 1–2 days
Business Line of Credit
A revolving limit — draw when you need it, pay interest only on what you use.
- Amount
- Up to $2M
- Rate
- From ~12% p.a.
- Term
- Revolving
- Speed
- Decision in hours
Rates are indicative and depend on your business profile and lender criteria.
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