Working capital
Smooth out the gap between paying suppliers and getting paid by customers. Revolving facilities suit this.
Business Finance · Business Loans
Cash flow, growth,
opportunity — funded.
Secured and unsecured business loans for Australian operators. We pick the lender to match the use of funds, the timeline, and the security you can offer.
What a business loan covers.
A business loan is general-purpose finance for an operating Australian business — term loan, line of credit, or revolving facility. Used for working capital, growth, equipment, marketing, premises, or opportunity moves. Secured options run from $100K to $5M+ at lower rates; unsecured options run from $20K to $500K and settle faster (24–72 hours). TMF picks the lender across our 40+ panel to match deal size, security, and timeline.
What operators borrow for.
Growth capital
Hire, marketing, premises expansion, new geography. Term loans suit predictable growth investments.
Opportunity capital
Stock buy, supplier discount window, off-market acquisition. Fast unsecured loans hit this need.
Tax + ATO debt
Refinance ATO arrangements to free cash flow. Specialist lenders on the panel handle this routinely.
Business loan questions.
What is a business loan?+
A business loan is general-purpose finance for an operating Australian business — typically structured as a term loan, line of credit, or revolving facility. Used for working capital, growth, equipment, marketing, hire, premises, or opportunity-driven moves.
Secured vs unsecured business loans — what's the difference?+
Secured loans are backed by an asset (real estate, equipment, or a general business charge) and typically offer lower rates and larger amounts. Unsecured loans require no specific collateral, are faster to settle, but cost more and cap lower. The right choice depends on what you have to offer and how much you need.
What's the typical deal size?+
Unsecured: $20K – $500K depending on cash-flow strength. Secured: $100K to $5M+. Larger and longer-term facilities (e.g. property-secured) extend further.
How fast can a business loan settle?+
Unsecured fintech-style loans can settle in 24–72 hours. Secured bank-style loans take 2–6 weeks depending on security verification. TMF picks the lender to match your timeline.
Will a business loan affect my home loan?+
A business loan in the company name typically doesn't affect a personal home loan unless a personal guarantee is given. Personal guarantees are common but negotiable — TMF will advise on the structure.