Funding to Start Up Businesses

FundSpot understands the struggles of new businesses. We have designed a business loan catered for New Start-up businesses with tailored loan amounts, loan term and repayment structure specially to your situation and business needs.

Connect with our Business Managers today to find out what is available to you.

*Time frame refers to business hour, subject to scenario simplicity and borrower’s availability to respond.

Why is it Difficult For New Businesses To Obtain Finance?

All lenders have one common concern: Can the loan be repaid? The reason lenders only want to lend to established businesses is due to the statistic of failure rate. New businesses typically will take some time to generate stable and sustainable sales and turnover. First time business owners also often need time to adjust expectation and expense control. Hence lenders are more reluctant during experimental stage of any new businesses.

To overcome this hurdle, FundSpot would consider your new business if you have prior experiences in the industry, a well-planned business, already obtain relevant qualifications or licenses and able to demonstrate the debt can be managed. Let our business manager to help you realise your dream, speak to us today.

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!

Fact Sheet

Best Suited For
Pre-approval Time*
Settlement Time**
Loan Amount
Loan Term
Interest Rate
Basic Lending Criteria
Product Highlight
Dedicated Business Manager
1 hour to 2 hours
1 day to 3 days
1 month - 36 months (including term extension)
Our interest rate is as low as 1.50% per month.We are very confident that our rate is one of the lowest in the market, if you do find a lower rate, let us know, we will try to beat it.
Real estate property (mortgaged OK)

*Pre-Approval time applicable during office hour only and is subject to relevant document recipients and applicants availability for communication.

**Turnaround time is indicative only after signed loan contract is received. Fund transfer is subject to fund availability and settlement conditions satisfied.

Business Loans In 3 Steps

young woman signing up for a small business loan
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
3 Same-day Funding

Same-day fund transfer upon contract settlement

Awards and Features

2025-Australian-Achievers-Awards-Excellence-in-Customer-Service-min
Business-Insider-Logo-scaled (1)
Yahoo_Finance_logo

FundSpot achieved a Highly Recommended satisfaction rating from Australian Achievers 2025! Our customers love us!

Hear it from Our Customers

5-stars-removebg-preview
Anh Lam
Anh Lam
I am very grateful with Isabella who has provided friendly and professional customer service . She helped me to get my loan quickly so I can set up my cafe in time. I would recommend anyone to contact Isabella from Fundspot for help with business loan .
Peter Swanborough
Peter Swanborough
Absolutely fabulous service , went above and beyond to help me secure a loan , could not be happier.
Amanda Faulkner
Amanda Faulkner
Sarah from fund spot has been amazing to deal with. I have had some unexpected issues arise throughout my period with them but Sarah was always willing to help!
Euna Jang
Euna Jang
Thank you Sarah T, supporting my business.

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!