BUSINESS LOANS
Get business finance built around how your business actually runs, not a generic lending checklist. At Lendwise, we work as a business loan broker across NSW, comparing lenders so you get real funding options for cash flow, equipment, or growth.
Business lending covers more than most owners expect, working capital, an overdraft, a line of credit, or a term loan to fund expansion. As your business loan broker, we look at your full situation, your revenue, your goals, and what the finance is actually for, before recommending anything.
Instead of settling for one lender’s criteria, you get options compared across our panel, explained in plain English, with support from your first enquiry through to funding.
What This Matters
Business loans aren’t assessed the same way a home loan is. Lenders look at your revenue, trading history, and cash flow, not just your personal income, and different lenders weigh these factors very differently from each other.
Many banks only lend against strict, narrow criteria, which can shut out newer businesses or those without lengthy financial statements, even when the business itself is genuinely viable. Generic online lenders often charge more for that convenience too.
The type of business loan you choose also matters. A secured loan, an unsecured facility, and a line of credit all suit different situations, and picking the wrong structure can cost your business more than it needed to, or leave you without funding at the exact moment you need it.
Why Choose Lendwise for Your Home Loan
Why Choose Lendwise for Your Home Loan
Frequently Asked Questions
What is a business loan?
A business loan is finance a business borrows to cover costs it can't cover on its own right now, such as working capital, equipment, staff wages, or expansion. Business loans can be secured against an asset or unsecured, and terms vary depending on the lender and how the loan is structured.
What does your business loan service include?
Our business loan service covers the full process, not just one part of it. We look at your business, your goals, and what the funding is for, compare lenders across our panel, handle the application and documentation, and stay involved from your first enquiry through to funding.
What's the difference between a secured and unsecured business loan?
A secured business loan uses an asset, like property or equipment, as collateral, which can mean a lower cost of funds since the lender takes on less risk. An unsecured business loan doesn't require collateral, but usually comes with stricter eligibility and a smaller amount available.
Can I get a business loan for a new business?
It depends on the lender. Some lenders focus on newer businesses and assess the application on cash flow and a business plan rather than years of financial statements, while others require a longer trading history. We can point you toward lenders that actually suit where your business is at right now.
Is it better to use a business loan broker or go straight to a bank?
A bank can only lend against its own criteria, which can shut out a business that doesn't fit neatly into a standard checklist. A business loan broker compares a panel of lenders, including specialist lenders who work with exactly this kind of business, so you're not stuck with one bank's answer.
Do you help with business finance after settlement?
Yes. Business needs change as a business grows, so we stay in touch rather than treating funding as the end of the relationship.