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Small business Loans

Small businesses play a significant role in the Australian economy, contributing to job creation and economic growth. As of 2021, there were approximately 2.3 million small businesses in Australia, accounting for over 97% of all businesses in the country. These businesses cover a wide range of industries, including retail, hospitality, construction, and professional services.

New Business Welcome

Flexible Repayment Available

Bad Credit Considered

No Financials Required

Pre-Approval in 3 Minutes
Obligation Free 1300 161 212

Our Business Loan Products

We offer an alternative options for small businesses that have been turned down by traditional banks due to poor credit history or lack of collateral. We have designed our products to be more flexible to suit more small businesses to qualify for a loan.

FundSpot offers a variety of loan products, including short-term loans, bad credit business loans and caveat loans. It is important for small business owners to understand the different types of loans available and choose the one that best fits their needs. At Fundspot, our team can assist you to find the best available option for you.

Our Loan Products

Fast Business Loan

Our Fast Business Loans are tailored for urgent or time-sensitive needs, like unexpected expenses or seizing short-term opportunities.

  • $3,000 - $50,000
  • 1 months to 2 years
  • From 1.75% per month
  • Bad credit considered
Pre-Approval in 3 Minutes
Obligation FreeLearn More >

Mid Term Business Loan

Flexible funding with repayment terms from 1 to 2 years, perfect for expansion, equipment upgrades, or working capital.

  • $5,000 - $50,000
  • 1-2 years
  • From 1.75% per month
  • Fixed interest rate
Pre-Approval in 3 Minutes
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Start Up Loan

A business loan to help kickstart and fuel your business dreams. With tailored loan amounts, loan terms and repayment structures, achieving your business dreams have never been closer and simpler.

  • From $3,000
  • Up to 3 years including extension options
  • From 1.25% per month
  • Bad credit considered
Pre-Approval in 3 Minutes
Obligation FreeLearn More >

Bad Credit Loans

We believe in second chances for businesses on the right path, ensuring owners can access the finance needed to propel growth.

  • From $3,000
  • Up to 3 years including extension options
  • From 1.25% per month
  • New business welcome
Pre-Approval in 3 Minutes
Obligation FreeLearn More >

Franchise Loan

Flexible, fast and simple funding to help you purchase the franchise you have always wanted.

  • From $10,000
  • Up to 3 years including extension options
  • From 1.5% per month
  • Bad credit considered
Pre-Approval in 3 Minutes
Obligation FreeLearn More >

Unsecured Business Loans

Having an established business but getting declined due to no assets? We can provide flexible funding options because a well-managed business should be treated like one.

  • $5,000 - $500,000
  • 3 months to 5 years
  • From 1.46% per month
  • Line of credit available
Pre-Approval in 3 Minutes
Obligation FreeLearn More >

Business Loans in 3 Steps

1

3 Minutes Application

Complete our obligation-free application today, and expect a call from your Business Manager shortly.

2

Fast Verification

Provide some basic documents for the most suitable finance option.

3

Same-day Funding

Same-day fund transfer upon contract settlement.

Pre-Approval in 3 Minutes
Obligation Free

Not Sure Which Loan?

Not sure which loan product and features are best for you? Use our comparison
table. Otherwise, reach out to us. We’re happy to help!


frequently
Asked Questions

Couldn’t find the answer to your question?

We are here to help!

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Does application affect my credit history?

Submitting an application does not affect your credit history until you are ready to move forward. All information you provide to us remains confidential and not shared with anyone or any 3rd party. For more information, refer to our Privacy Policy and Credit Information Privacy Policy.

Personal bad credit is not the end. Speak to our Business Managers about Bad Credit Loans and tell us your situation to find the best finance options available.

To get started, most clients simply need to provide ID, asset documents (if applicable) and bank statements. If your situation is unique and requires additional information, your Business Manager will be in contact with you.

Interest rate varies depending on your situation as not all businesses are alike. There are no hidden costs and fees, all details will be listed out clearly before there is any commitment. Our finance options are design for small businesses like yours and will try to cater for your specific needs.

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