Built for people building something

Who we help

We work with young Australian businesses and the people behind them. That includes Shopify and marketplace sellers restocking best-sellers, direct-to-consumer brands launching a second product, creators turning an audience into a studio or a product line, freelancers and small agencies bridging the gap between work and payment, SaaS founders who'd rather not sell equity to fund a hire, and side hustlers getting ready to go full-time.

What they have in common is a business model that runs on stock, ads, subscriptions or projects, and a cash cycle that doesn't always line up with a bank's checklist.

Why we built it this way

Too many young founders learn about business finance the hard way. They apply to their bank, get declined for reasons nobody explains, then fill in a comparison form and spend a week fielding calls from lenders they've never heard of. Their credit file collects enquiries, and they're no closer to an answer.

We think founders deserve better than that. So we start with your numbers — revenue, margins, how long you've traded, what the money is for — and match you once, carefully, to an option that suits. Sometimes that's unsecured funding sized on your turnover. Sometimes it's a property-secured loan. Sometimes it's "not yet, and here's what would change it".

Our promises

One more thing we ask of you: please fill in the enquiry form as accurately as you can. Monthly revenue, time trading and whether you own property make the biggest difference to what's realistic. Honest answers mean we can point you to the right option on the first call.

What we can help with

• Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Property-secured business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat loans over residential or commercial property).
• Past credit issues and ATO debt considered case by case.
• Business purposes only — we don't arrange personal or household credit.

We don't publish interest rates, because every facility is priced on the business in front of the lender. You'll get a real figure for your situation, and our ad-spend payback calculator lets you test any quote against your own unit economics.

How we work

A real person reads every enquiry. We look at what you've told us, call you to fill in the gaps, and explain the options in plain English — including what each would ask of you and what could go wrong. Only if you decide to go ahead do documents and a credit check come into it. You can read the full process on how it works.

Who operates Business Loanz

Business Loanz is operated by Company Cash Pty Ltd (ACN 673 762 297), trading as Business Loanz. Our office is at Level 15, 28 Freshwater Place, Southbank VIC 3006, and you can call us on 03 8538 1446.

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