Get the Right Business Loan,
First Time.
Personal service from an experienced broker, backed by our proprietary AI lender matching across 100+ non-bank, private and bank lenders.
- Loans from $30,000
- Unsecured options
- No cost to you
FBAA member
AFCA memberPanel of 100+ bank, non-bank and private lendersAccess to 100+ business lenders
We work with Australia's bank, non-bank and private lenders to find options suited to your business needs.
Fast, flexible business finance.
Non-bank lenders usually cost more than banks, but many businesses, including those that bank with a major bank, choose them for speed and flexibility. We also work with banks when they suit your business better. Compare bank and non-bank loans.
Fast decisions
Depending on the lender, decisions can be as quick as a few hours, with funds often following within days.
Less paperwork
Many non-bank lenders assess you on your business bank statements rather than full financials.
No property security
Unsecured options mean you don't need property or assets as security, although directors usually give a guarantee.
Fewer restrictions
Fewer of the covenants and restrictive conditions that come with many bank loans.
Technology plus a real broker
Our proprietary AI matches the product, amount, terms and lender to your real numbers, and an experienced broker is involved in every deal.
We handle the process
We prepare your application, deal with the lenders and keep you updated, so you can run your business.
Finance for almost any business need.
From working capital to equipment and property, we find the lenders and structure that suit what you need the money for.
Business loans
A lump sum for working capital, growth, hiring or a one-off cost.
Line of credit
Draw what you need, when you need it, and pay interest only on what you use.
Business overdraft
Extra funds on tap for short gaps in day-to-day cash flow.
Invoice finance
Turn unpaid invoices into cash instead of waiting 30 to 90 days.
Trade finance
Pay local and overseas suppliers now, and repay after the stock sells.
Equipment finance
Machinery, technology and tools, secured by the equipment itself.
Vehicle finance
Cars, utes, vans and trucks used in your business.
Low doc business loans
Finance without full financials or up-to-date tax returns.
Private lenders
Fast, flexible property-secured lending when banks can't move quickly.
ATO debt
Refinance an ATO debt with a business loan or compare it with a payment plan.
Commercial property
Buy, refinance or release equity from commercial property.
Franchise finance
Buy or start a franchise, including the fit-out and working capital.
Finance for your industry.
Lenders look at businesses differently depending on how they earn and spend. See how finance works in your industry.
Wholesale and logistics
Trade and invoice finance for stock, imports and customers on account.
Professional services
Working capital, lock-up and buying a firm or a partner's share.
Retail and ecommerce
Stock for peak seasons, fit-outs and revenue-based funding.
SaaS and software
Revenue-based finance, R&D tax incentive advances and venture debt.
Construction and trades
Progress claim funding, materials, plant and utes.
Transport
Trucks, trailers and cash flow while customers pay.
Hospitality
Fit-outs, kitchen equipment and quiet-month cash flow.
Medical practices
Practice purchases, goodwill lending, fit-outs and equipment.
Personal service, backed by proprietary AI
You deal with an experienced broker from your first call to funding. Our proprietary AI lender-matching technology, built in-house on the way our brokers assess a deal, helps them match the product, loan amount, terms and lender to your business's real numbers, not just a form.
- 1
Tell us about your business
Request a callback and we'll call you, usually within 1 to 2 business hours, to understand what you need.
- 2
We analyse your bank statements
We work out your free cash flow, loan serviceability and debt service cover, and spot red flags lenders dislike, such as overdrawn days.
- 3
We build your business profile
We combine what you've told us with what your bank and financial statements show about your business.
- 4
We match the right finance
We test your profile against the criteria and policies of the lenders on our panel that offer the finance you need, including policies they don't publish, to match the product, loan amount, terms and lender to your business. Your broker reviews every match.
- 5
You choose from real quotes
We ask the best-fit lenders for quotes and present them to you, so you can compare before deciding.
- 6
We submit your application
When you choose a lender, we submit your application and manage it through to funding.
Don't just take our word for it.
Read what our clients have to say about Splendid.
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
FAQs
Common questions about Splendid and business finance
Splendid is an Australian business finance broker. We work with a panel of 100+ bank, non-bank and private lenders, match your business with the lenders best suited to it, and handle the application for you. We specialise in non-bank lending for businesses that want fast decisions, less paperwork and unsecured options.
Our proprietary, in-house AI lender-matching technology works the way an experienced broker does. It starts with your bank statements to work out free cash flow, loan serviceability and debt service cover, and to spot issues lenders dislike, such as overdrawn days. It then builds a profile of your business and tests it against the criteria and policies of the lenders on our panel that offer the type of finance you need, including policies they don't publish, so the product, loan amount, terms and lender all suit your situation. A broker is involved throughout: we ask the best-fit lenders for quotes, present them to you, and submit your application to the lender you choose.
No. There's no cost to you for our service. We're paid by the lender when your loan settles, and there's no obligation to proceed.
We arrange business finance from $30,000 to $5 million and more. How much you can borrow depends on your revenue, trading history, credit and any security, and on the lender.
Not always. Many non-bank lenders offer unsecured loans and lines of credit, usually with a personal guarantee from the directors. Larger amounts may need security, and most private lenders in Australia require property.
Depending on the lender, decisions can be as quick as a few hours, and funds often follow within days. Banks and larger secured loans usually take longer.
Talking to us doesn't. When a lender assesses an application, the enquiry is recorded on your credit file, so we look at your situation first and only approach lenders likely to suit you, which avoids unnecessary applications.
No. We focus on non-bank and private lenders, but we also work with banks when they suit your business better. Many businesses that bank with a major bank still borrow from non-bank lenders for speed and flexibility.
Often, yes. Non-bank lenders have different criteria from banks, and some consider newer businesses, imperfect credit or ATO debt. Tell us what happened and we'll look at your options.
Talk to a broker today.
Personal service, backed by proprietary AI lender matching. Tell us what you need and we'll call you back. No cost and no obligation.
We'll call you within 1–2 business hours · or call 0468 060 969