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Business Loans

A business loan is borrowed capital that your business uses to meet expenses or buy assets. Choosing the right business loan for you is what we do, ensuring you receive flexibility, fast approval and a great service.
With an unsecured business loan, an amount is lent against the cash flow of a business, which means you won’t be required to provide a mortgage over your business or property.

What can a business loan be used for?

Upgrade Your Space

Your business may have outgrown your original site, shop or office. Or it’s getting a bit shabby looking and you’d like to modernize it. Maybe your current location works well but you’d like to expand.

Get new equipment or inventory

Nearly every business needs new equipment at some point, or you might be expanding your product line to include new inventory. Or you need to keep with technology advances in your field. Whatever the case, buying new equipment or inventory can often be a large outlay.

Take advantage of an opportunity for growth

Sometimes a new opportunity comes along unexpectedly. You might connect with a new market overseas, or you gain a big new client, or years of networking finally pays off with a new business relationship. The only trouble is, it often means you have to move fast.

Hire new or better staff

One of the most valuable assets you can find are great employees. It can be worth it to your business to recruit, train and retain your best people – especially if your business is going through rapid growth.

Cash flow

Sometimes it’s not a lack of profit, but cashflow gaps that can have disastrous consequences for businesses. If you’re struggling with paying suppliers, wages or tax obligations on time because you’re not receiving payments, a loan can help you to continue trading as normal.

Marketing and advertising

You may need to invest in a significant marketing campaign to give your business a sales boost, which can pay off in the long term.

Flexible, fast business loan solutions

No matter what you need a business loan for, there are some great advantages to obtaining this kind of finance:

  • Unsecured business loans mean you don’t need to provide a mortgage over your home, your business or your children.
  • Simple, online application
  • Fast approval – usually within days
  • Choose a term that suits you
  • Minimal paperwork is required – no need to provide a trailer load
  • You can choose fixed repayments which gives you cashflow certainty

Who can apply?

Almost any business can benefit from this type of flexible business loan, and even better, if you’re a newly established business, you can still qualify.

  • Retail
  • Hospitality
  • Hair and beauty
  • Real estate
  • Manufacturing
  • Professional services

You’ll need to be able to prove consistent monthly revenue for a business loan, and there may be other criteria to meet. This can include having a viable credit rating, a guarantee to ensure that the loan will be repaid, or evidence of a minimum of 12 months of trading.

We can assist you with business loans and help you consider which might work best for you. Please contact us now to get started.