Tailored
Business Loan
Solutions
Access $10,000 to $5,000,000 in business funding with competitive rates and flexible terms. Perfect for expansion, acquisition and working capital needs.
Accredited and trusted
We're proud members of leading industry bodies, ensuring you receive professional and tailored financial solutions.
FBAA Member
Finance Brokers Association of Australia
AFCA Member
Australian Financial Complaints Authority
FRANdata Partner
Franchise Industry Research & Analytics
Access to 70+ business lenders
We work with Australia's leading bank, non-bank and private lenders to find you competitive rates and terms for your business needs.
What is a business loan?
A business loan is a lump sum of money borrowed to fund business operations, expansion, equipment purchases, or other business needs. Unlike a line of credit, you receive the full amount upfront and repay it with interest over a fixed term with predictable monthly payments.
Business loans are ideal for major investments, expansion projects, equipment purchases or when you need a substantial amount of capital for a specific business purpose.
Key Benefits
Discover why a business loan could be the perfect financing solution for your growing business.
Large Funding Amounts
Access substantial capital from $10,000 to $5,000,000 for major business investments and expansion projects.
Fixed Repayment Terms
Predictable monthly payments with terms from 1-7 years to match your business cash flow.
Competitive Rates
Secure competitive interest rates from 7.16% through our extensive lender network and broker relationships.
Fast Approval
Quick approval process with decisions typically within 24-48 hours and funds available within days.
Flexible Use
Use funds for equipment, expansion, inventory, working capital, debt consolidation, or any business purpose.
Build Business Credit
Establish and improve your business credit profile with regular loan repayments for future financing needs.
Business loan at a glance
Secured vs Unsecured Business Loans
Understanding the differences helps you choose the right option for your business needs and risk profile.
| Feature | Unsecured Business Loan | Secured Business Loan |
|---|---|---|
| Security Required | No collateral required | Collateral required (property, equipment, etc.) |
| Interest Rates | Higher rates due to increased risk | Lower rates due to security provided |
| Loan Amounts | Generally lower limits | Higher amounts based on security value |
| Approval Time | Faster approval process | Longer due to security valuation |
| Risk to Business | No risk to business assets | Risk of losing collateral if unable to repay |
What are the fees & costs?
Understanding the costs associated with a business loan helps you make informed decisions. Here are the typical fees and charges you might encounter.
Common Fees
Interest Charges
Who is it for?
Business loans are ideal for established businesses looking to fund growth, equipment purchases, or working capital needs.
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."
Is my business eligible?
Check if your business meets our loan requirements for approval.
General Requirements:
Documentation Required:
What are the steps involved?
Initial Consultation
We discuss your business needs, loan requirements, and assess your eligibility across our lender network.
Document Collection
We help you gather the required financial documents and business information for your application.
Lender Matching
We identify the best lenders for your situation and submit applications to secure competitive offers.
Offer Comparison
We present and explain the loan offers, helping you choose the best option for your business.
Settlement
We manage the settlement process and ensure your loan funds are disbursed quickly and efficiently.
Why work with a broker like Splendid?
Access to multiple lenders
Compare offers from ~70 business lenders to find the right deal for your unique needs.
Save time and effort
We handle the application process and negotiate with lenders on your behalf.
Expert guidance
Our experienced team provides personalised advice based on your business needs.
Better outcomes
Higher approval rates and more favourable terms through our lender relationships.
How do I compare offers from different lenders?
When comparing business loan offers, it's important to look beyond just the interest rate. Here's what to consider:
Key Comparison Factors:
Additional Considerations:
FAQs
A business loan provides a lump sum upfront with fixed repayments over a set term, while a line of credit gives you access to funds as needed up to a limit, and you only pay interest on what you use.
Most business loan applications are approved within 24-48 hours once we have all required documentation. Settlement and fund disbursement typically occurs within 3-7 business days of approval.
Yes, most of our business loan products allow early repayment without penalties. This can save you significant interest costs if your business generates surplus cash flow.
Business loans can be used for equipment purchases, business expansion, inventory, working capital, debt consolidation, property acquisition, or any legitimate business purpose.
Accelerate your business growth.
Get your personalised business loan quote today and discover how we can help your business thrive. Join the hundreds of Australian businesses we've helped secure funding.