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Empowering Businesses to Go Green, offering over 150 Innovative Financing Solutions for Renewable Energy and Sustainability Projects

Unsecured Business Loans

An Unsecured Business Loan allows you to cover any business related finance need. The Unsecured Business Loan is a short term facility – usually up to a maximum of 12 months. You’ll repay the loan and interest daily or weekly. No security (collateral) is required to get a loan.

What can you use an Unsecured Business Loan for?

Unsecured Business Loans can provide a boost to your working capital and allow you to make investments in inventory, equipment, renovate, hire new staff – ANY business activity. Some business owners use this type of business loan to cover cash flow fluctuations and even for new business opportunities.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Application processes are usually fast, simple and online
  • Finance available without the security of property or other fixed assets
  • Finance available to smaller businesses that do not meet the banks’ rigorous lending criteria
  • Unsecured business finance is a higher risk for the lender, so interest rates are likely to be higher
  • Terms, rates, fees and conditions may result in higher borrowing costs
  • Depending on the amount you borrow, you may need to provide a personal guarantee, which means you will be responsible for repayment if your business is unable to meet its obligations

Line of credit

An agreed amount is made available for you to access at any time you need it. Often with a line of credit you will only pay interest on the drawn down amount, not the whole facility.

What can you use a Business Line of Credit for?

There are no restrictions on how you can use this money.

See If You Qualify
AMOUNT $5 – $250k
TERMS 3 – 12 months
INTEREST RATES 14% – 30%
SPEED 1 – 2 Days
Pros
Cons
  • Extremely flexible – draw and repay funds as you need them
  • No minimum amount – only borrow and pay interest on what you need – usually calculated daily
  • Quick and simple application process
  • No long-term certainty – can be cancelled at any time and is repayable on demand
  • Terms vary and you may be required to pay off the overdraft at specified intervals
  • Likely to incur fees even if not used

Invoice Finance

Invoice finance is also known as “factoring” is when you sell your invoices to a lender. The lender will forward you up to 80% immediately of the invoiced amount and become responsible for collecting payment.

What can you use Invoice Finance for?

Any business purpose like buying new machinery or paying tax debt.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Immediate injection of cash – no need to wait for payment of invoices
  • Removes the risk of late or non payment of invoices
  • Can be used to cover short term finance issues
  • You receive less than the face value of the invoice
  • Usually more expensive than loan finance
  • Many lenders have minimum turnover requirements – may not be available to new businesses without an established sales history

Merchant Cash Advance

With Merchant Cash Advance a lender will provide you with a lump sum payment in advance and then collect repayment (and their fees) as an agreed percentage from your daily sales.

What can you use a Merchant Cash Advance for?

Anything, such as working capital or buying new inventory.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Quick and easy online application process
  • Immediate cash injection – funds usually available within days
  • Repayments directly linked to cash flow – no fixed interest payments or repayment schedule, with repayments made as an agreed percentage of sales
  • Only available to ‘merchant’ businesses making daily debit or credit card sales e.g. retailers, restaurants
  • History of achieving a minimum average level of sales may be required
  • Often considerably more expensive than other financing options with rates as high as 60% – 200% APR
  • No government regulation on lenders, so terms and conditions can be complex and restrictive

Equipment Finance

Equipment finance is a fixed term loan product to purchase machinery or equipment for your business. The asset will be owned by the Lender throughout the term of the contract

What can you use Equipment Finance for?

To purchase plant, equipment or machinery for your business.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Small or no deposit or up-front payments, minimising the initial impact on working capital
  • Flexibility to set a repayment plan to suit your cash flow, usually over a term of up to five years
  • Quicker and easier to secure than loan financing. You may be able to claim GST credits for GST included in the lease charges
  • Higher interest rates and costs than loan financing
  • No equity built up in the asset – you do not own the equipment the end of the contract
  • Lease contracts usually have substantial early-termination fees so you’re locked in even if you no longer need the equipment

Hire Purchase

A medium term loan product to purchase an asset. The asset is owned by the Lender until the end of the finance term.

What can you use a Hire Purchase for?

Typically used to purchase an asset. Buying plant, machinery and equipment for your business.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Flexibility to tailor your repayment play to suit your cash flow needs and match the life cycle of the asset
  • You own the asset at the end of the contract and can continue to use or dispose of it as you wish
  • You may be able to claim GST credits for GST included in the purchase charges
  • Unlike leasing you will need to pay a deposit, which will impact your working capital
  • Higher interest rates and costs than loan financing
  • You do not own the asset until the end of the contract

Traditional Business Loan

A longer fixed-term secured borrowing facility, like a mortgage. Often you will need to use personal assets to secure the loan. Most commonly available from the big banks (think: ANZ, Westpac, Commonwealth, NAB).

What can you use a Business Loan for?

Usually used to purchase buildings, retail premises, expansions, buying competitors.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Many lenders allow you to choose between fixed and variable interest rates or a combination
  • You may have a choice of interest-only or interest plus principle repayments
  • The loan term is usually tied to the life of the asset and you can set a repayment schedule to match the cash-flow of your business
  • Loans secured by non-residential assets attract higher interest rates
  • Most loans have minimum borrowing amounts
  • Lengthy and rigorous application and approval process – only available to established businesses

Personal Loans

Typical personal loans available from a wide variety of lenders including non bank.

What can you use a Personal Loan for?

You can use this money to purchase anything.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • More economical than leasing or hire purchase for buying equipment and machinery
  • Can usually be repaid early without penalty
  • Repayable in instalments, spreading the cost of equipment purchase
  • Availability and amount will depend on your personal credit rating
  • Personal (not business) responsibility for repayments
  • Usually higher interest rates than other business loans

Business Credit Card

As per your standard credit card, a company credit card will often been securitised against the business owners.

What can you use a Business Credit Card for?

Best used to purchase consumables and to help smooth out fluctuations in cash flow. In reality, you can use it for whatever you like.

See If You Qualify
AMOUNT $2 – $100k
TERMS Ongoing
INTEREST RATES 5.88% – 20.95%
SPEED 1 – 7 days
Pros
Cons
  • Convenience – very easy to make purchases
  • Flexible source of emergency cash flow
  • Interest-free periods on some cards make them an economic short-term purchasing tool
  • May be linked to your personal rather than business finances
  • Interest rates can be very high
  • Can incur considerable fees and charges even when not used