Founder funding · Australia
Fund the stock, the ads and the first hire.
Funding for Australian online stores, creators, startups and side hustles going full-time — sized on how your business actually trades, and handled by a real person.
- No credit check to enquire
- One match, never sprayed
- $5k – $5m
Enquiring won't touch your credit file
Asking what's possible is free of any credit check. That conversation only comes up if you decide to go ahead.
Matched once, never sprayed
Your details aren't fired off to a dozen lenders to see who bites. A person reads your numbers and picks the right fit.
A human who gets online business
A real specialist reads your enquiry and calls you. Straight answers on the form mean the right option on the first call.
Use of funds
What's the money for?
Lenders care less about your logo and more about what the funding does. Pick the job and see how it's usually structured, sized and repaid.
Who we fund
Built for how you actually sell
A Shopify store, a creator channel and a SaaS product earn money in completely different rhythms. We start with yours.
- E-commerce storesE-commerce business loans for Australian online stores: what lenders look for in your statements, your options by stage and how to strengthen your case.
- Shopify storesFunding for Australian Shopify stores: how lenders read your store data and statements, alternatives to in-app offers, and funding that fits how you sell.
- Amazon sellersHow Australian Amazon sellers fund inventory, fulfilment fees and advertising: reading your settlements, marketplace-specific costs and the options by stage.
- Makers and marketplace sellersFunding for Australian makers and Etsy or marketplace sellers: materials, tools, a studio and wholesale orders — how lenders see handmade businesses.
- DTC product brandsFunding for direct-to-consumer product brands in Australia — beauty, fashion, food and homewares: production runs, launches, retail expansion and ad spend.
- Side hustlesCan a side hustle get a business loan in Australia? What lenders look for, how your salary and the business interact, and steps that make funding possible.
- Creators and influencersBusiness finance for Australian content creators and influencers: how lenders read brand deals and platform income, what creators fund, and the tax basics.
- StartupsStartup business loans in Australia explained honestly: what lenders need from a new business, the property-secured route, and alternatives to borrowing.
- SaaS and app startupsNon-dilutive funding for Australian SaaS and app startups: how lenders read subscription revenue, when debt beats equity, and the R&D Tax Incentive.
- Freelancers and agenciesBusiness funding for Australian freelancers and small creative or digital agencies: slow payers, first hires, gear and how lenders read project income.
Signature tool
Borrow on numbers, not vibes
The ad-spend payback calculator turns one order and one month of ads into the figures that matter: contribution per order, break-even ROAS, how many months a customer takes to repay their acquisition cost, and how a funding amount splits across stock and ads.
- Strips GST out so dashboard revenue stops flattering you
- Checks the stock side can keep up with the customers the ads bring
- Uses the dollar cost of finance you enter — no made-up rates
Myth vs reality
Four things founders get told about funding
Myth"I need two years of tax returns before anyone will lend."
RealitySome lenders size unsecured funding on recent bank statements and turnover instead. Newer businesses with property equity may also have a secured option from day one.
Myth"Borrowing for ads is always reckless."
RealityIt's reckless when customers never repay their acquisition cost. When they do, and quickly, working capital is what lets good campaigns keep running.
Myth"Asking about a loan will hurt my credit score."
RealityNot here. Enquiring involves no credit check. That only comes up if you choose to proceed with a specific option.
Myth"Comparison sites get me the best deal by sending me everywhere."
RealityBlasting your details to many lenders can mean a flood of calls and a messy credit file. One careful match is usually cleaner.
How it works
From "should I?" to a straight answer
No auction, no lead farm, no pile of callbacks. See the full process.
- 1
Tell us the plan
What you're funding, how much, and how the business trades. About a minute, and no credit check.
- 2
A person reads it
A specialist who understands online and early-stage businesses looks at your numbers — not an algorithm auction.
- 3
One sensible match
We call you with the option that fits: unsecured on your turnover, secured on property, or a straight 'not yet' with what would change it.
- 4
Paperwork, then funds
Only if you decide to go ahead. You'll know exactly which statements and documents are needed before anything is lodged.
Milestones
Funding at each founder milestone
Quitting the day job, crossing the GST line, becoming a company, landing a stockist, hearing no from the bank. What each moment means for funding.
Guides
Founder maths, explained properly
Researched against ATO, Fair Work and business.gov.au guidance, written for people building something. All guides.
Break-Even ROAS Explained for Australian Online Stores
What break-even ROAS is, how to calculate it with GST, landed cost, shipping and fees, and why your ads dashboard can show profit while your bank doesn't.
Read the guide →Hobby or Business? Side Hustle Tax Rules in Australia 2026
Is your side hustle a hobby or a business? The ATO and business.gov.au indicators, ABN and GST triggers, platform reporting and loss rules, in plain English.
Read the guide →Cash Conversion Cycle for Online Stores: A Founder's Guide
How long does a dollar spent on stock take to come back? Measure your online store's cash conversion cycle, shorten it and plan funding around it.
Read the guide →Questions founders ask first
Can a new online store get a business loan in Australia?
Often, yes, but the lane depends on your track record. Stores with several months of steady sales through a business account may qualify for unsecured or cash-flow funding sized on turnover. Newer stores with property equity may be able to use a property-secured loan from $20,000. We'll tell you plainly which applies.
How much can Business Loanz help me find?
Across our lending options the range is $5,000 to $5,000,000. Unsecured and line-of-credit facilities typically run from $5,000 to $500,000 based on turnover and bank statements, while property-secured business loans run from $20,000 to $5,000,000.
Will enquiring affect my credit score?
No. There's no credit check to enquire. A credit check is only discussed if you decide to go ahead with a specific option.
Do you send my details to lots of lenders?
No. A real person reads your enquiry and matches it to the option that suits. We don't spray your details around to see who responds.
Can I use a business loan for Facebook, Google or TikTok ads?
Business funding can be used for marketing, including paid social and search, as long as it's for business purposes. The better question is whether each customer earns back what they cost to acquire. Our ad-spend payback calculator shows that in a couple of minutes.
What if I have past credit problems or an ATO debt?
They're considered case by case. Be upfront about them on the form; it helps us steer you to an option that can actually work instead of one that will decline.
Do you publish interest rates?
No. Every facility is priced on the business in front of the lender — its trading, security and circumstances — so a published 'from' rate wouldn't tell you much. You'll get a real figure for your situation.
Know what the money is for? Let's find the right fit.
A 60-second enquiry with no credit check, read by a real person who understands online businesses. One careful match, not a lender blast.
Enquiring won't touch your credit file
Matched once, never sprayed
A human who gets online business