Small business loans, without the runaround.
$5,000 to $300,000. Fixed terms up to 18 months. Funded in as little as 24 hours — by a local team, on the phone, who actually pick up.
- ✓ No brokers, no middlemen
- ✓ No hidden fees
- ✓ Fixed repayments
From cafés to farms — we back the businesses that bigger lenders don't bother with.
Equipment, materials, payroll bridging.
Stock, fit-out, seasonal cash flow.
Coffee gear, refits, new locations.
Hiring, marketing, ATO obligations.
Machinery, stock buy-outs, expansion.
Feed, equipment, quiet-season bridging.
We're a broker lender.
Most "business loan" sites in Australia are brokers. We're the actual lender — we fund every loan ourselves, so the person who picks up the phone is the person making the decision.
We actually fund the loan
We're a direct lender, not a broker. Your application stays with us — assessed, approved and funded from our own balance sheet. One team, one decision, one source of the money.
A real person on the phone
Call us between 8am and 5pm AEST and a lending specialist picks up — a real person in our Adelaide office, not a chatbot or an offshore script.
Built for small business — by a small business
We're a small Australian operator ourselves. We built the loan we wished we could borrow when we were starting out: one product, plain English, no surprises. If we say yes, we mean yes.
Same team, start to finish
The person you apply with is the person who funds you and the person who answers when you call about your repayments — because we own the loan, not just the application.
Application to funds — measured in days, not weeks.
Because we're the actual lender, your application doesn't bounce between brokers, panels and credit teams. One Adelaide-based team, one decision, one source of the money.
Start your applicationApply Monday. Trade with the funds Tuesday.
Apply online in 10 minutes
A short, plainspoken form. No 30-page financial pack. Your ABN, your driver's licence, your bank — that's it.
Talk to a real lending specialist
Someone in our office who reads your application themselves. They'll call you within hours with a decision and any questions.
Funds, often within 24 hours
Once approved, we transfer to your business account same-day where possible. Most customers see funds within 24 hours of saying yes.
Built for the people behind the ABN.
We're a small Australian business ourselves — Adelaide-based, locally owned, founded by people who've run small businesses for years. We back the cafés, the trades, the studios, the workshops: the businesses that don't fit a bank template, but absolutely deserve fast, fair funding.
Built around how you actually work.
A note from the team
"We've run small businesses ourselves — we know the bit where you need money next week, not next month. That's why we built Business Loan Co. A real person reads your story, picks up the phone, and gets you a straight answer."
We look at what your business actually is — not just what it scores.
A real person reads your application — the same person who funds it. No algorithm-only deny. Just a yes or no, in plain English, on the phone.
Real small businesses we've funded.
"Got me out of a pinch on a big job. Funded the next morning and the person I spoke to was the same person who signed me off."
"Plain English, no fine-print runaround. They asked the right questions and gave me a straight answer the same day."
"Used the funds to refit the kitchen. Weekly repayments are predictable and the team are always reachable on the phone."
"Three other lenders strung me along for two weeks. Business Loan Co. approved and funded inside 24 hours."
Straight answers to the things people actually ask.
Can't find what you're looking for? Call us on 1300 555 200.
No. Business Loan Co. is a direct lender — we fund every loan from our own balance sheet. When you apply, you deal with the team that makes the decision and provides the money. No middleman, no broker commission, no application passed around.
From $5,000 to $300,000, on a fixed term of 12 to 18 months. Repayments are weekly or daily (Mon–Fri) and locked in upfront so you can plan cash flow with no surprises.
Three main criteria: an Australian business with at least 6 months trading history, monthly turnover of $5,000+, and an active ABN. We look at the health of your business, not big-bank-style thresholds.
For loans up to $50K: driver's licence, ABN, and the last 6 months of business bank statements. For larger amounts, we may also ask for recent financial statements.
We can often provide a decision within an hour, and approved applicants are typically funded within 24 hours.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.