CNF

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Smarter Finance to help you achieve more in a Green Energy economy

Discover, create and grow your business for a renewable and sustainable future.

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Rated 5 stars by 10,000+ users

★★★★★

All: ▲ 33.3%

Average Return

+ $2,473.65

Services

Type 🔻

Equity
$423,456

Income
$654,321

Borrowing power
+ $530,865

▲ 100% / 3

Percentage

Finances

Annual 🔻

Term: 12 Months
Interest: 6%

Loan Amount: 100
Paid: $97,000
Unpaid: $13,000

Trusted by industry leaders:

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Features and benefits

The all-in-one solution for finance

See why over 10,000 people trust our platform to seek finance for their business.

Instant Results

See how much you can borrow and with which lender, instantly

Up to $500k

For business loans, you could qualify to borrow up to $500,000

150+ Products

We offer over 150 products from more than 39 different lenders

Green Energy

With the focus on renewable energy, get sustainable solution for your business

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With access over 39+ trusted lenders and different lending options

Spend less time searching for finance and more time doing the things you enjoy.

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Totally free process and will not affect your credit rating.

100k

Unsecured Loan

As fast as same day

300+

5 star review

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250k

Line of Credit

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10k

Happy customers

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ALL

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Hear what people are saying about us

Explore our reviews: See How Carbon Neutral Finance is Helping Businesses Go Green with Renewable Energy Solutions

★★★★★

“As a small business, we were hesitant about transitioning to renewable energy due to the cost. But Carbon Neutral Finance made it possible with their flexible financing options. We’re proud to be a sustainable business thanks to them.”

Luke Morris

★★★★★

“Carbon Neutral Finance provided excellent support throughout the financing process. They were knowledgeable, patient, and helped us make informed decisions about our energy needs.”

Sarah Smith

★★★★★

“We’re so glad we found Carbon Neutral Finance – they made it easy for us to go green and save money on energy costs. We appreciate their commitment to sustainability and highly recommend their services to other businesses.”

Jack Bailey

★★★★★

“Thanks to Carbon Neutral Finance, we were able to invest in renewable energy solutions and reduce our carbon footprint. The financing process was easy and affordable – highly recommend!”

Daniel Rudd

Traditional Business Loans

Business Credit Card

Merchant Cash Advance

Hire Purchase

Personal Loans

Equipment Financing

Unsecured Loan

Invoice Financing

Commercial Bill of Exchange

Line of Credit

CNF

Finance Ready

The three basic principles to consider when evaluating finance.

Match the type and term of finance to your business needs

You can cover fluctuations in working capital with flexible short term business loans or an overdraft – but if you’re making a big purchase you’ll need a long term loan with a repayment schedule that matches your cash flow.

Safeguard your cash flow

Maintaining cash flow is one of the biggest challenges faced by any small business, so it’s vital that you have funds available when you need them – but be aware that you’ll pay more for at-call financing like an overdraft, which gives you access to funds whenever you need them.

Demonstrate your business health

To successfully secure financing you’ll need to convince a lender that you are a good risk (as per how they determine this) to get the lowest interest rates. For some types of loan, you’ll need to offer security, such as your property. With any financing application you’ll have to provide full financial data about your business – and a realistic repayment schedule that takes into account factors such as seasonal fluctuations in turnover, and the risk of late payment by your customers.

Personal

Save 50% $79

$49/yr

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  • NFT collections
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Business

Save 50% $299

$199/yr

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Choose Business

Lifetime

Save 50% $599

$399/one time

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FAQ

Frequently asked questions

Frequently asked questions

How do you qualify for a small business loan?
To qualify for a small business loan, typically the business needs to have been trading for at least six months, have a monthly turnover of at least $5,000 and be able to service the loan repayments.
What’s the difference between a bank business loan and a loan from a fintech lender?
To a bank, whether you are borrowing $30,000 to do a renovation or wanting to borrow $2,000,000 to acquire a competitor makes no difference to them. For this reason, banks aren’t always overly excited to facilitate this loan for you. Where as a fintech lender is geared up for exactly this, small business loans. Most fintech lenders allow technology to decipher your business’s financial health and make a lending decision fast. If you do manage to jump through all the hoops the banks put you through, you will most likely be offered a much lower interest rate than a fintech lender with less fees. However, if you are like the overwhelming majority and need fast access to cash, the fees and higher interest rates can seem insignificant.
What interest rate can I expect to pay?
With an unsecured business loan you will pay higher interest rates than that from a bank. Again, it’s a risk rated product meaning that a business that hasn’t been trading long, with inconsistent revenue – will pay more than a business loan applicant who has been operating for 5+ years with consistent revenue.
How long does it take to get approved for a small business loan?
Yes, most lenders will allow you to pay out your loan early, HOWEVER, you need to check the fine print. Some lenders will charge you for the privilege and sometimes this will outweigh paying the loan out early. If you feel you might be in a position to pay the loan out early, or at least want the flexibility to do so without penalty, you need to choose a lender with this as an option.
Are there different requirements if I live in a particular state?
No, regardless of whether you live in WA, SA, NSW, VIC, TAS, QLD or even NT, you will be assessed the same way, but do note if you live in a tourist “hot spot” your business may have seasonal income which will be assessed differently.
How long does it take to get approved for a small business loan?
In most cases, the entire process from loan application to decision takes less than an hour. Small business loan approvals can be approved fast due to the technology used by fintech lenders. For example, electronic bank statement transaction history can be analysed in seconds and credit engines are used to automate most of the decision metrics.
What is an unsecured business loan?
An unsecured business loan is a type of business loan that does not require the business owners to provide security as collateral. This means you do not have to offer your assets such as property, vehicles and equipment as security to the lender. If you default on the loan, the lender can’t automatically take your property or other assets.
How do I get a business loan to buy an existing business?
Buying an existing business can be an exciting opportunity to grow your business and open doors to new customers. If you’ve done your due diligence, have a solid strategy and you’re confident that the acquisition will be beneficial for your business then you can apply for a business loan. Make sure you have factored in all the costs and have estimated your new revenue. Lenders will still take into account how long you’ve been business, your current revenue and expenses and the industry.
Can I pay off my business loan early?
Yes, most lenders will allow you to pay out your loan early, HOWEVER, you need to check the fine print. Some lenders will charge you for the privilege and sometimes this will outweigh paying the loan out early. If you feel you might be in a position to pay the loan out early, or at least want the flexibility to do so without penalty, you need to choose a lender with this as an option.
Why do I need to provide bank statements?
You’re asking to borrow tens of thousands of dollars to your business. A lender needs to feel comfortable to lend their money to you. To get that level of comfort, the lender needs access to your bank statements as this gives a true picture of your business. It essentially allows the lender to reverse engineer your real, “right now” Profit and Loss (P&L) statement. Balance sheets, P&L Statements out of your accounting systems can all be altered and may not be up-to-date. Bank statements do not lie.

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