A small business loan is a type of financing that gives small and medium-sized enterprises access to capital for day-to-day operations, growth, or unexpected expenses. Loans may be secured (backed by property or assets) or unsecured, with terms and repayment options tailored to the size and stage of your business.
Small Business Loans
Flexible lending options tailored to Australian small businesses whether you’re managing cash flow, investing in equipment, or expanding operations.
Small Business Loans are specifically designed to provide the vital capital that small enterprises need to start, grow and succeed. These loans can be used for a wide range of purposes from covering initial startup costs and purchasing essential equipment to expanding operations, managing working capital or even acquiring existing businesses.
Small Business Loans
What is a Small Business Loan?
Unlock Growth and Expansion
Access funding to invest in new equipment, expand into larger premises, or launch new products and services.
Stabilise Cash Flow
A small business loan can cover day-to-day expenses, seasonal slowdowns, or unexpected costs keeping your operations stable.
Flexible Repayment Options
Choose between fixed or variable rates, secured or unsecured structures, and terms that align with your business cycle.
Build a Stronger Credit Profile
Responsible borrowing can strengthen your financial profile, making it easier to access funding in the future.
When to use
Why Choose a Small Business Loan?
Small Business Loans serve as a vital financial tool, empowering entrepreneurs and small business owners to invest in their ventures, overcome financial hurdles and achieve sustainable success.
- Cover working capital needs during slower periods
- Purchase or upgrade equipment, vehicles, or technology
- Fund renovations or expansion into new premises
- Manage unexpected costs or emergencies without draining reserves
- Refinance existing debt into a more manageable structure
Types of Small Business Loans
Types of Small Business Loans
- Term Loans - Lump sum with set repayments, ideal for growth investments.
- Business Line of Credit / Overdraft - Flexible access to funds up to a pre-approved limit.
- Short-Term Loans - Cover immediate needs with fast turnaround.
- Secured vs Unsecured Loans - Borrow against property/assets, or access fast unsecured options.
- Invoice Finance - Unlock cash tied up in unpaid invoices.
- Specialist Loans - such as property finance, franchise loans, or tailored solutions for complex structures.
Specialists in Small Business Loans
Tailored lending advice, backed by finance and legal expertise.
Partner with a financial expert who truly understands the needs of small businesses. At Alpha1 Financial Solutions, we offer:
Tailored Lending
Advice
We take the time to understand your business and design small business loan solutions that match your goals, cash flow, and industry needs.
Access to a Wide
Range of Lenders
By working with a broad panel of banks and non-bank lenders, we can find the right fit from unsecured business loans to asset and equipment finance.
Flexible Options to Suit Your Situation
Choose from secured or unsecured loans, short-term or long-term funding, and repayment structures that support your growth strategy.
Partnership
for Growth
We go beyond just arranging finance. Our advisers help you use your business loan strategically to stabilise cash flow, invest in expansion, and build long-term resilience.
FAQs
FAQs About Small Business Loans
What can I use a small business loan for?
Small business loans can be used for a wide range of purposes, including purchasing inventory, upgrading equipment, hiring staff, expanding operations, managing cash flow, marketing campaigns or even refinancing existing business debt. Some lenders also allow funding for one-off projects or unexpected expenses.
How much can I borrow with a small business loan?
Loan amounts typically range from $5,000 to $500,000 or more, depending on the lender and your business profile. Factors like your revenue, time in business, credit history and loan purpose will influence the final approved amount.
How long does it take to get approved for a small business loan?
Approval times can be as fast as 24 hours for unsecured small business loans, while larger secured loans might take several days to a week. Having your financial documents ready, such as bank statements and tax returns, can speed up the process.
Do I need collateral to get a small business loan?
Not always. Many small business loans are unsecured, meaning you don’t have to provide property or assets as security. However, offering collateral may help you qualify for a larger loan amount or secure a lower interest rate.
Can I repay my loan early?
Yes, many loans allow early repayment, though some may have break costs. We’ll help you choose the structure that works best.
