Compare unsecured business loans with BrokerFi's calculator.
Calculate your repayments and compare working capital options from 40+ lenders, with instant results and no impact to credit file.
Business finance options
Finance tailored to your business needs.
BrokerFi can help compare finance options for working capital, expansion, growth and cash flow support.
Working capital
Compare finance options to manage day-to-day operations and cash flow needs.
Business expansion
Get guidance on funding for opening locations, hiring and scaling operations.
Invoice finance
Explore options to unlock cash tied up in unpaid invoices and maintain cash flow.
Growth and assets
Finance fit-outs, renovations, stock purchases and other business growth investments.
How BrokerFi helps
A simpler way to compare business finance.
Business finance is not just about the rate. We help you understand lender options, structure and business requirements.
Compare business lenders
Review finance options based on your business structure, turnover and lender requirements.
Understand structures
Get guidance on possible loan terms, repayments and business finance structures.
Protect your credit
We help structure your enquiry before any formal application affects your credit file.
Get broker support
Speak with a Melbourne-based finance broker about your business funding needs.
Compare business finance with BrokerFi
Access business finance for working capital, expansion, fit-outs and cash flow support with solutions tailored to how your business operates.
Understanding rates
How unsecured business loan rates work
Unsecured business loan rates are influenced by your credit profile, trading history and business financials. Since there is no asset security, lenders often assess your cash flow, bank account conduct and revenue consistency more closely. Company structures, sole traders and partnerships may see different rate tiers depending on how the lender evaluates risk.
Beyond your credit score, lenders look at your business financials, including BAS statements, bank account conduct and any existing business debts. A clean credit file and consistent revenue can significantly improve your approval chances and the rate you are offered. Low-doc options may also be available for eligible applicants.
What affects your rate
- Credit score and business credit profile
- Trading history and income stability
- Business structure (sole trader, company, trust)
- Cash flow and bank account conduct
What lenders check
- Business financials and BAS statements
- Bank account conduct and revenue
- Existing debts and liabilities
- Purpose and intended use of funds
Eligibility and documents
Know what business lenders may look for.
Every lender is different, but these are common features, eligibility points and documents for business finance applications.
Loan features
- Working capital, expansion and growth finance options
- Options for sole traders, partnerships and company structures
- Flexible loan terms based on business cash flow
- Support for various finance purposes and business uses
Eligibility
- ABN registered business
- Trading for 6+ months (requirements vary by lender)
- Visa applicants accepted, excluding student, temporary and bridging visas
- Positive cash flow and business affordability assessed by lender
Documents
- ABN and ACN registration details
- Bank statements (6-12 months)
- Business details and structure
- Other documents may be requested depending on the lender
FAQs
Common questions about business finance.
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