Business loans, eligibility and contact details
In a nutshell
in2capital is a non-bank business lender with offices in North Sydney and on the Gold Coast. It offers business term loans and revolving lines of credit of up to $500,000 for property owners or $100,000 without property, plus chattel mortgage equipment finance of up to $100,000. It assesses applications mainly on 6 months of bank statements, without financial statements.
in2capital is an Australian non-bank business lender with offices in North Sydney and Bundall on the Gold Coast. It lends to businesses directly and through accredited brokers, and says it has funded more than $175 million for over 1,110 businesses.
Its range covers three products: business term loans, an evergreen business line of credit and chattel mortgage asset finance. in2capital assesses applications mainly on 6 months of bank statements rather than financial statements, with ATO portal access needed for amounts over $200,000. How much a business can borrow depends on whether a director owns property: property owners can access up to $500,000, or $250,000 with 12 to 24 months of GST registration, and businesses without property up to $100,000. in2capital says it offers secured and unsecured structures, and every facility needs a directors' personal guarantee. It says decisions and funding can happen on the same day. It lends for business purposes only, to companies, trusts with a corporate trustee and individuals in business.
A fixed-term loan of 2 to 5 years with weekly or monthly repayments, for expansion, refits, equipment, acquisitions, working capital or refinancing existing debt, including ATO debt. Up to $500,000 for property owners and $100,000 without property.
More on business loans →A revolving facility of up to $500,000 that you can draw, repay and redraw without reapplying. It runs for 5 years and is reviewed for renewal at the 4-year mark.
More on cash flow finance →Chattel mortgage finance of $2,000 to $100,000 for new and used business equipment bought from an accredited supplier or dealer, over up to 5 years depending on the asset. Private sales aren't accepted, and a property-owning director is required.
More on equipment finance →All lending is subject to the lender's credit criteria and assessment.
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in2capital usually suits established small businesses wanting a term loan or line of credit of up to $100,000 without property, or up to $500,000 if a director owns property, assessed on bank statements rather than financial statements.
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in2capital offers business term loans, a revolving business line of credit and chattel mortgage asset finance for business equipment.
Term loans and lines of credit go up to $500,000 for property owners with 24+ months of GST registration, $250,000 for property owners with 12 to 24 months, and $100,000 for businesses without property. Equipment finance ranges from $2,000 to $100,000.
in2capital generally looks for at least 12 months of GST registration (or 24 months' ABN with 3+ months of GST), 6 months of bank statements, a minimum director credit score of 450 for property owners or 500 without property, and a directors' personal guarantee. It doesn't lend for property development, mining exploration or services, or primary agriculture.
No. in2capital says it assesses applications on 6 months of bank statements without financial statements, and asks for ATO portal access for amounts over $200,000.
No, but owning property raises the limit for term loans and lines of credit from $100,000 to as much as $500,000. in2capital says it offers both secured and unsecured structures. Its equipment finance needs a property-owning director, with the equipment as security.
in2capital lists refinancing existing debt, including ATO liabilities, as a use for its business term loan. Borrowers refinancing a high-cost lender need at least 3 months of positive cash flow.
in2capital says it offers same-day decisions and funding, with funds usually within 24 to 48 hours of approval.
You can call in2capital on 1300 007 245 or apply through in2capital.com.au.
Yes, we work with in2capital, but we recommend speaking to us to see if in2capital is the right fit for your specific needs. We work with over 100 lenders, so there might be other options that suit your situation better.
Website
in2capital.com.au
Splendid Financing is an independent finance broker and is not affiliated with in2capital. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on in2capital's published information, checked 4 Nov 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.