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                                            The Best Business Loan Providers in Australia (2025): A Complete Guide for Growing Enterprises

Access to capital is the lifeblood of business expansion, cash flow stability, and operational resilience. In Australia, the financial ecosystem has evolved rapidly, offering a diverse range of funding solutions tailored to SMEs, start-ups, and established corporations. In this comprehensive article, we explore the 30 best business loan providers in Australia for 2025, highlighting the key features of each lender, their typical interest rates, eligibility criteria, and what sets them apart in a competitive market.

1. Commonwealth Bank of Australia (CBA)  
Australia’s largest bank offers flexible business loans, overdrafts, and asset finance with both fixed and variable rates. CBA also supports green business initiatives.  
Typical interest rate: 7 percent to 13.5 percent

2. National Australia Bank (NAB)  
NAB offers secured and unsecured loans for small businesses, with options to defer repayments or make interest-only payments.  
Typical interest rate: 6.99 percent to 11.99 percent

3. Westpac Business Loans  
Offers fast approval loans and specialised industry support for healthcare, retail, and education sectors.  
Typical interest rate: 6.8 percent to 12.9 percent

4. ANZ Business Finance  
Provides term loans, cash flow lending, and seasonal working capital solutions. Ideal for businesses with established turnover.  
Typical interest rate: 7.2 percent to 12.5 percent

5. Prospa  
One of Australia’s top fintech lenders, offering fast, unsecured business loans with flexible repayment options.  
Typical interest rate: 9.9 percent to 26.5 percent

6. Moula  
Uses business cash flow data to assess eligibility quickly. Offers up to $500,000 with no asset security required.  
Typical interest rate: 12 percent to 24 percent

7. Lumi  
An agile lender focusing on technology-driven approvals and same-day funding. Suitable for new and fast-growing companies.  
Typical interest rate: 11 percent to 25 percent

8. GetCapital  
Offers a suite of funding products, including trade finance, working capital and equipment loans.  
Typical interest rate: 9 percent to 20 percent

9. Capify  
Known for merchant cash advances and revenue-based financing models. Flexible repayments aligned with business performance.  
Typical interest rate: 14 percent to 30 percent

10. Judo Bank  
Australia’s SME-focused challenger bank offering relationship-based lending and custom-built loan packages.  
Typical interest rate: 6.49 percent to 11.5 percent

11. ScotPac (Scottish Pacific)  
Specialists in invoice financing and trade credit solutions. Excellent for businesses with strong receivables.  
Typical interest rate: 1 percent to 3 percent monthly

12. Banjo Loans  
Delivers business term loans from $20,000 to $1 million with quick online applications.  
Typical interest rate: 11 percent to 24 percent

13. OnDeck Australia  
A data-driven lender offering loans tailored to turnover and business profile. High approval rate for small firms.  
Typical interest rate: 10 percent to 25 percent

14. Shift (formerly GetCapital Shift)  
Offers revolving credit, equipment finance and digital payment solutions.  
Typical interest rate: 9.95 percent to 19.95 percent

15. Finstro  
Combines trade credit, invoice payment and working capital management tools.  
Typical interest rate: 8 percent to 22 percent

16. Bizcap  
Caters to businesses with poor credit or limited financial history. Flexible approvals up to $2 million.  
Typical interest rate: 18 percent to 36 percent

17. Valiant Finance  
An independent broker platform comparing more than 80 lenders across Australia.  
Typical interest rate: Varies by lender, generally 7 percent to 26 percent

18. Lend.com.au  
Marketplace lender offering business loans, line of credit and bridging finance with competitive turnaround times.  
Typical interest rate: 9.5 percent to 23 percent

19. Moneytech  
Offers flexible credit facilities, asset finance and import funding for B2B companies.  
Typical interest rate: 7.99 percent to 15.99 percent

20. Earlypay  
Invoice and debtor finance solutions with online tracking. Excellent for businesses with large receivables.  
Typical interest rate: Typically 2 percent monthly (on funded invoices)

21. Lending Loop AU (launching 2025)  
P2P lender expected to support Australian SMEs with ethical lending practices.  
Estimated interest rate: 6 percent to 18 percent

22. Grow Finance  
Fast-growing lender with working capital solutions and vehicle leasing options.  
Typical interest rate: 10.5 percent to 22.5 percent

23. TruePillars  
Connects SMEs with direct investors through a regulated platform. Ideal for sustainable and community-based businesses.  
Typical interest rate: 8 percent to 18 percent

24. Tractor Ventures  
Specialises in revenue-based lending for Australian tech companies and digital enterprises.  
Cost of capital: Fixed fee of 7 percent to 15 percent, not interest

25. Butn  
Focuses on buy-now-pay-later and instant liquidity for B2B transactions.  
Typical interest rate: 2 percent to 5 percent per 30-day period

26. FundTap  
A growing force in invoice finance for SMEs in Australia and New Zealand.  
Typical interest rate: 4 percent to 8 percent per funded invoice

27. Aquire Finance  
Offers structured business loans, bridging finance and funding for development projects.  
Typical interest rate: 9 percent to 18 percent

28. Payright Business Solutions  
BNPL platform offering funding for service-based businesses and customer repayments.  
Typical interest rate: 8 percent to 19 percent

29. Archa Business Lending (launching mid-2025)  
A fintech platform combining expense management with working capital credit.  
Estimated interest rate: 12 percent to 20 percent

30. Westlawn Finance  
Regional lender providing flexible term loans and agribusiness finance in NSW and QLD.  
Typical interest rate: 7.5 percent to 13.5 percent

Additional Topics: How to Choose the Right Business Loan in Australia  
When choosing a business loan provider, consider factors such as the interest rate, total cost of borrowing, funding speed, repayment flexibility, and the lender’s experience in your industry. If your business operates seasonally, seek providers that offer deferred or interest-only repayment options.

Government Support and SME Loan Guarantee Schemes  
The Australian Government continues to support SME financing through various initiatives. The SME Recovery Loan Scheme, Export Finance Australia, and State-based grant programs are all worth exploring before committing to private financing.

Credit History and Documentation  
Prepare business bank statements, financial reports, BAS returns, and identification documents. Some fintechs may accept alternative data such as Stripe or Xero integrations.

Conclusion  
Australia’s 2025 lending landscape provides more options than ever before for businesses seeking capital. From trusted major banks to agile fintechs and innovative peer-to-peer platforms, every business type can find a tailored loan solution. The 30 providers listed here represent the best the market has to offer—each vetted for reliability, flexibility, and their potential to help your business grow. With the right funding partner, you can focus on scaling, innovating, and securing long-term success in Australia’s dynamic economy.                                    

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