- Mon - Sat: 8.00 - 18.00
- 18 Banfield St, Chermside
- +61-MCPHERSON
Business Loans
Our Business Loans provide flexible, unsecured or lightly secured term financing for working capital, equipment purchases, inventory, and growth initiatives. Designed for established companies seeking clear, predictable repayment schedules without tying up real estate collateral.
Typical Terms
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Feature
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Details
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Amount
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$10,000 – $5,000,000
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6 – 24 months
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Interest Rate
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Prime + 2 % – Prime + 6 %
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Origination Fee
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Funding Time
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24 – 72 hours after approval
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Eligibility Criteria
- Time in Business: ≥ 1 year
- Annual Revenue: ≥ $150,000
- Personal Credit Score: ≥ 625 (flexible based on strength of financials)
- Debt Service Coverage Ratio (DSCR): ≥ 1.10
Required Documentation
- Business bank statements (last 3 months)
- Signed business tax returns (last fiscal year)
- Personal and business credit reports
- Government-issued photo ID (owner/majority stakeholder)
- Articles of incorporation or business license
“The lack of access to capital is often the biggest barrier to entrepreneurship. If we want more jobs, more innovation, and a stronger economy, we need to make sure capital is flowing to the people who have the ideas, the energy, and the ambition to build something better — not just those who already have wealth”elizabeth warren
FAQ's
How quickly can I close?
Business Loans: 24–72 hours; Real Estate Loans: 2–4 weeks; Hard Money: 5–10 business days.
Do you require personal guarantees?
Business Loans generally require a personal guarantee; Real Estate and Hard Money loans may be non-recourse on qualifying deals.
Can I pay off early without penalty?
Yes—prepayment is allowed on all products without penalties or exit fees.
What if I have less-than-perfect credit?
Hard Money Loans focus on collateral value, not credit score. Business and Real Estate Loans consider credit as one of multiple factors.
Is there an application fee?
No upfront application fees. We charge only the origination fee upon funding.
Can startups apply?
Business Loans require ≥ 1 year operating history; Real Estate and Hard Money loans can fund newly formed entities if collateral is strong.
What happens after I apply?
You’ll receive a dedicated loan specialist who guides you through document collection, underwriting questions, and closing logistics.
We are Always Ready to Assist Our Clients
developing financial processes and procedures
