Straight answers to the things people actually ask.
Browse by topic, or call us if you'd rather just ask a person. 1300 555 200 · Mon – Fri, 8am – 5pm AEST.
Eligibility & applying
Three main criteria: an Australian business with at least 6 months trading history, monthly turnover from $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.
No. We do a personal credit check, but we don't rely on it alone — we focus on the health of your business, so a less-than-perfect score isn't a deal breaker.
Your specialist will let you know the outcome. You're welcome to reapply down the track.
The loan itself
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.
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.
It depends on the loan size and your situation. Many of our smaller loans don't require security over your assets. Larger loans may require additional security; your specialist will explain exactly what's needed for your application before you commit.
Anything that moves your business forward — stock, equipment, payroll, fit-out, marketing, vehicles, tax obligations. The use of funds is up to you.
Speed & process
Decision typically the same business day you apply. Once approved and signed, funds are in your business account the same or next business day.
Apply any time — the form is open 24/7. Your application lands directly with our team and is read first thing the next business morning. You'll get a call within a couple of hours of us opening.
Yes. You're paired with one lending specialist for your application, and they stay your point of contact through funding and the life of the loan.
Repayments
Fixed repayments — weekly or daily (Mon–Fri), your choice — deducted automatically from your linked business account. Full repayment schedule provided upfront, no surprises.
Yes — call your lending specialist and they'll give you the exact dollar figure to settle on the day. We also offer refinances if you'd like to borrow again instead.
Talk to us first — life happens, and a missed payment isn't the end of the world. We'll work with you on a short-term arrangement to get back on track.
Security & support
All data is encrypted in transit and at rest, stored on Australian servers, and only accessible to the lending team. We never sell or share your details with third-party lenders or marketers.
Your lending specialist — direct line, no phone tree. If they're not in the office, the small support team picks up. Real person, every time, business hours.
Get a real answer
from a real person.
10-minute application. Decision within hours. Funds, often the next day.