Service

Business Loans — funding matched to how your business runs

Business lending is decided by policy, not just numbers. With 26+ years inside banks, we know which lenders take a common-sense view of BAS, ATO portals and add-backs — from unsecured working capital to secured facilities and overdrafts.

What you get

A smarter path to your business loans

  • Compare suitable lenders. We assess rates, fees, policy and features across a wide lender panel.
  • Structure around your goals. Your recommendation considers cashflow, flexibility and the next financial move.
  • Director-led from start to finish. Eric applies 26+ years of banking and finance experience to every application.

Business Loans — common questions

Can I get a business loan while self-employed?
Yes. Self-employed and low-doc lending is a core specialty; the right lender depends on how your income and tax position present.
How fast can a business loan settle?
Unsecured facilities can fund within days; secured and commercial facilities typically take two to four weeks.
Do I need security for a business loan?
Not always. Unsecured options exist for strong trading businesses, while property-secured facilities generally price sharper.

Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.

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Prefer email? Opens your email app to info@smartroutefinance.com.au. No credit check. No obligation.