Small Business Finance is an information and resources website for Australian small businesses. Explore business finance topics including working capital, business acquisition, plant & equipment leasing, business start-up loans, franchise funding, loan refinancing and commercial property.
Learn how to compare business loan rates, fees and features, and understand options offered by bank, non-bank and private lenders. Explore our articles, news and calculators for general information, not personalised financial or credit advice. Calculator results are estimates based on assumptions, not quotes, offers, approval or eligibility assessments. This website does not accept finance enquiries or refer visitors to brokers or lenders.
Frequently Asked Questions
Range of Purposes
Working capital, business acquisition, plant & equipment leasing, business start-up loans, franchise funding, loan refinancing and commercial property.
Learn how self-employment, credit history, previous bankruptcy, available deposits and business financial records may affect business loan applications. Eligibility criteria vary by lender and loan type.
Get practical financial information, news, guides and resources. A MoneyTips subscription is for informational content, not a finance enquiry or referral request.
When comparing business loans from banks, non-bank and private lenders, consider interest rates, fees, repayment terms and security requirements. A broker may compare products from a lender panel, which may not cover the whole market.
Lenders may conduct a credit check as part of their assessment processes. Multiple credit enquiries can affect a credit profile and may influence lending decisions. Learn about business credit and how it relates to borrowing.
Business credit is the credit profile of a business, separate from the personal credit history of its owner or directors. For small business owners, understanding how business credit works can help with borrowing decisions, supplier relationships and long-term financial planning. - read more
Starting a small business can be exciting, but funding the early stages is often one of the biggest challenges. This guide explains 10 ways Australian startups may raise or access capital, along with the practical benefits, trade-offs and preparation involved. - read more
ASIC’s latest private credit surveillance, released on 10 November 2026, is a timely reminder that the funding source behind a business loan can matter almost as much as the headline rate. While the regulator’s report is primarily focused on investor disclosure and fund governance, Australian SMEs watching the non-bank lending market should also note the broader message: complexity, unclear fees and weak transparency can create risks for everyone connected to a credit chain. - read more
Australian small businesses that use credit cards to manage tax payment timing have been given extra breathing room, after the federal government confirmed the ATO will continue accepting credit card payments until 30 June 2027. The reprieve follows backlash over the ATO’s earlier plan to stop direct credit card payments after 30 November 2026, a change linked to the national card surcharge reforms that began on 1 October. - read more
