Stage 3 · Do it for real
Your first business loan, step by step
Get loan-ready, work out how much to borrow, pick the right kind of loan and know what happens next. Plus illustrative first-loan stories that show how it all fits together.
How to get a business loan
How to get a business loan in Australia when it's your first: eight clear steps from working out what you need to the money landing, explained without jargon.
Read more →Loan-ready checklist
How to get your business loan-ready: a friendly first-timer's checklist covering banking, BAS, credit, debts, purpose and paperwork, with what to fix first.
Read more →How much to borrow
How much should you borrow for your business? A simple beginner's method: cost it properly, add a sensible buffer, test repayments, avoid over-borrowing.
Read more →Documents explained
Business loan documents explained for first-timers: ID, bank statements, BAS, tax returns, financials and property papers, and what each proves.
Read more →How long it takes
How long does a business loan take in Australia? The stages from enquiry to payout, what speeds each one up or slows it down, and how to plan ahead.
Read more →Choosing the right loan
Which business loan is right for you? A beginner's guide to matching the purpose to the loan: term loans, lines of credit and property-secured loans compared.
Read more →Mistakes to avoid
The first business loan mistakes first-timers make most often, from applying everywhere to skipping the fine print, and the simple fix for each one.
Read more →Story: the café
An illustrative first business loan story: how a café owner works out the amount, tests repayments and uses an unsecured loan for a second coffee machine.
Read more →Story: the tradie
An illustrative first business loan story: a young electrical business uses home equity and a second mortgage to fund a second van, tools and a new hire.
Read more →Story: the online shop
An illustrative first business loan story: an online homewares store uses a line of credit to buy Christmas stock, then repays as orders roll in.
Read more →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray and pray
A real person, in plain English