Business Loans

Business Loans

Working capital solutions that keep you trading

I want to refinance
I want to purchase
Whether you’re smoothing cash-flow gaps, upgrading machinery or spring-loading growth, Money Wise hunts down terms that suit your seasonality—fast, flexible and tailored.

Your Business Loan Options

Unsecured Business Loan

$5,000–$500,000, up to 24-month terms, approval in as little as one business day.

Secured Term Loan

Lower rates and higher limits for larger growth projects; one- to five-year terms.

Line of Credit

Revolving limit up to $250,000; pay interest only on what you draw.

Invoice Finance

Unlock up to 80% of outstanding invoices within 24 hours—ideal when customers take 30–60 days.

Equipment Finance

Chattel mortgage, hire-purchase or lease for vehicles and machinery; 100% of the asset cost funded, including GST.

Eligibility Snapshot

  • ABN registered and trading for over 6 months
  • Minimum $10,000 turnover
  • credit?
I want to refinance
I want to purchase

Documents we'll need

  • Latest six months' business-bank statements (CSV or PDF
  • BAS or tax returns for loans over $250,000
  • Driver license for each director / guarantor
  • Equipment quote (equipment finance only)

Why businesses borrow with us

  • Hire additional staff for busy season
  • Bulk-buy discounted inventory
  • Fit-out a new shopfront
  • Settle ATO debt without throttling cash flow
  • Aquire a second delivery van
I want to refinance
I want to purchase