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Specialist Lending Services for SME Small Business Loans

With a refreshingly welcoming and inclusive attitude, we provide access to a wide selection of  affordable funding solutions for Australia’s small and medium enterprise operators. Respecting that over 90% of Australian enterprises fall into this category, including our own operation, we offer opportunities for even the smallest operators to achieve the credit they require.

Opportunities for small and medium enterprises to achieve lower interest rates on individually sourced and negotiated funding, sourced from a much larger selection of lenders than they could access directly. Capture these opportunities by speaking with us today.

Business Finance Specialist Lending Services for SME Small Business Loans
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Comparison
Compare SME and Small Enterprise Financing Interest Rates

Compare our lowest interest rates across our credit product portfolio as a guide to what we are achieving for some operators, right now. Lenders assess each application on its individual merits. The rate you are offered may differ from these rates, but with strong turnover and good credit, cost-effective, workable rates can be very much in the picture.

Use our rate comparison table to compare credit options, makes and models of vehicles, trucks and equipment and to assist with the budget and planning stages. For a detailed quote and confirmed rates based on your specifics, give us a quick call.

Loan Amount Loan Term
Loan Product Interest Rate Monthly Repayment
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Smart Financing Solutions
How to Calculate Options with SME Commercial Loan Calculator

Using our online calculator is a quick and easy way to calculate options and start formulating the best credit structure for your requirements. Vary total, rate, term and balloon to see the different repayment options to assist with decision-making.

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Affordable Financing Solutions
Get Easy Access to Cost-effective SME Commercial Finance

We fully understand how many small operators may feel intimidated, overwhelmed or even excluded when applying to a bank or large financial institution for credit. We break down those barriers with our one-to-one broker services. We assign every client with their own consultant, who understands the special requirements of small operators, has acute financials acumen and has the enthusiasm to achieve workable solutions.

Through our accreditations with both the major Australian banks as well as many non-bank credit providers, we give small operators access to finding the lowest rates and most flexible options. Your consultant will handle the hard work of sourcing, negotiating and structuring the solution, allowing you more time to concentrate on your operation.

  • Access to 80+ lenders and banks.
  • Individual consultants, individual solutions.
  • Sourcing lowest rates, most applicable options.
  • Tax optimised solutions.
Finance with a Chattel Mortgage Arrangement

Comprehensive SME Financing
Expansive, Inclusive – our SME Financing includes many types of set-ups

The ATO and ASIC have specific definitions for micro, small and medium enterprises based on turnover and number of employers. These generally include with employees of under 20 for small and up to 200 for medium and turnover under $10m for small operations and up to $250m for medium businesses. That covers roughly 98% of Australian operators.

With such a broad definition, we work with enterprises of all sizes operating in all industries.

  • Sole Trader Loans
  • ABN Only Loans
  • SME Finance for Partnerships
  • Loans for Micro Businesses
  • Finance for Small and Medium Companies
  • Australia-wide services

Enterprises may be newly established or may be small but have been operating for an extended period. They may have employees or be a one-person, self-employed set-up.

Perth Small Commercial Financing

Explore the Flexibility of our Finance Products
Flexible Small Business Finance Products

The purpose of the funding will primarily determine the most suitable product. Our portfolio includes products that suit all commercial credit purposes, expenditure and acquisitions.

  • Secured Commercial Loans for SMEs
    Secured options can have lower rates due to the security provided. Banks can be extremely competitive with small and SME credit options but we cover the market to source the lowest rates.
  • Unsecured Small SME Commercial Loans
    The most competitive unsecured options can be accessed from our non-bank lenders. Approvals can be based on turnover over the past 6 months. Making this an achievable option for newly established enterprises.
  • Vehicle & Equipment Finance for SME and Small Enterprises
    Our full portfolio of asset acquisition products is available for small and medium enterprises. Options for those without full documentation – Low Doc, No Doc, are available.

Chattel Mortgage for SME and Small Enterprise
The most versatile and widely-used commercial credit product. Can be used for cars, vans, work vehicles, trucks, plant, machinery and equipment.

Acquire Unsecured Business Loans
Custom SME Commercial Finance Solutions

Discover Personalised Solutions
Get Individual Solutions for SME Commercial Finance

Using our broker services that specialising in credit for small enterprises can be critical to achieving lower interest rates and specifically structured solutions.

  • Lower interest rates.
  • Workable terms, negotiated conditions.
  • Fixed rates, fixed repayments, fixed terms.
  • Flexible balloon, residual
  • Minimise repayments, maximise tax benefits.

Streamlined Funding Solutions
Fast Approval for SME Commercial Loans

With your consultant handling your application through our direct lending channels, we can get fast approvals to expedite the entire process. Many applications can be approved within 24 hours. Apply online or over the phone with one of our consultants guiding you through every step.

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FAQs
SME Commercial Finance

Yes. Sole traders and self-employed operators are eligible to apply for credit as a small operator. A number of set-up structures are included in the definition of small enterprises. These include self-employed, micro operations, partnerships, sole traders and companies.

The same selection of credit products is available for small and medium enterprises as for all commercial operators. These include asset acquisition options of Chattel Mortgage, Leasing, Rent to Own and Commercial Hire Purchase; as well as secured and unsecured options.

No. The interest rate offered on all commercial credit applications is based on an individual lender assessment of the inclusions in the application. The rate will be determined by the credit rating, financials, strength of cash flow and turnover, amount requested, industry, amongst other factors. Where a small operator has a good credit profile, strong financials and trading history, a lower, competitive interest rate is a realistic possibility.

Yes. Partnerships would be considered as a small-medium enterprise. Trucks can be acquired with the choice of Chattel Mortgage, Rent to Own, Leasing or Commercial Hire Purchase.

New motor vehicles including cars, vans, utes etc may be purchased with the operator’s choice of credit product. These include Vehicle Lease, Chattel Mortgage and Hire Purchase. Operators are encouraged to speak with their accountant as to which product is most suitable for their operation.

The interest rate on credit products for small and medium enterprises is determined by an assessment of the application by lenders. Rates will vary depending on the credit profile, strength of financials and other factors. Competitive rates are achievable for many small operators. Operators may use lender advertised rates as a guide for planning purposes.

When applying for commercial credit, lenders request a range of documentation around the status and trading history of the operation. Where an enterprise has not been operating long enough to acquire the full documentation, Low Doc and No Doc options may be sought. Some lenders may also assess applications for some products based primarily on turnover for as little as the past 6 months.

Yes. Once approved for a particular credit product, small enterprises may be entitled to realise the applicable tax benefits. Subject to meeting ATO criteria. The benefits vary with credit products in regard to what outlays are tax deductible.

The credit term approved for small enterprises is based on lender assessment of the application. The decision may include consideration of the age and condition of the goods, the amount requested, the lender’s individual guidelines and other factors. For some commercial credit products, terms of up to 7 years or 84 months are achievable.

Yes. Pre-approved motor vehicle credit is available through most banks and lenders. The application is submitted, or quote requested, based on an estimate of the amount required and an indication of the vehicle being purchased. Rates and conditions may vary with used versus new vehicles. So it is important to give an indication of what car is intended to be purchased.

Approval times of applications for small and medium enterprise credit may vary across the lender market. Banks and lenders will have their own procedures for approvals and these may entail varying timeframes. Some brokers and lenders can get approvals within 24 hours. Once approved, the final paperwork needs to be completed for settlement. This may also only take a few days. If requiring fast turnaround, this should be mentioned on submitting the application.

Yes. When approved for credit, small operators are entitled to all the features of that credit product. That includes a balloon for Chattel Mortgage and residual for Leasing. The amount of the balloon is subject to individual lender approval.

Our Lenders
Trusted by 60+ lenders Australia-wide

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific