AUSTRALIAN BUSINESS LENDING EXPERTS
Fast, Flexible Finance To Fuel Your Growth
Access the capital you need to scale. Whether you require unsecured working capital or secured equipment finance, our specialist lender network delivers tailored solutions when banks say no.
- Approvals in as little as 24 hours
- Access to 50+ specialized lenders
- No upfront fees or hidden charges
Which Loan Fits Your Strategy?
Understand the core differences to choose the right funding path for your business.
Unsecured Business Loan
Fast, accessible capital without tying up your physical assets.
Best For: Managing cash flow gaps, quick inventory purchases, or immediate expansion needs where speed is critical.
Secured Business Loan
High-limit funding backed by property or major business assets.
- Borrowing Limit: Higher capacities, from $500,000 to $5M+
- Speed: Longer approval process due to valuations
- Security: Requires property or asset collateral
- Rates: Lower interest rates due to reduced lender risk
- Terms: Longer loan terms (often 3 to 10+ years)
Best For: Major business acquisitions, commercial property purchases, or long-term structural growth investments.
NETWORK ADVANTAGE
Access A World Of Capital
When the major banks say no, our network says yes. We’ve cultivated exclusive relationships with over 50 of Australia’s leading non-bank and specialist lenders. This means faster approvals, highly flexible lending criteria, and bespoke terms designed specifically to fuel your business growth trajectory—not rigid institutional policies.
Home / Business Loan Calculator
Business Loan Calculator
Estimate repayments on a business loan for working capital, growth or refinancing existing business debt. Adjust the amount, rate and term to see what the repayments could look like.
Choosing the right structure
Business loans can be secured against an asset or unsecured. Unsecured loans often carry higher rates because the lender takes on more risk. Some lenders offer low-doc options for self-employed borrowers, which can involve different documentation and pricing.
What lenders usually ask for
Typically identification, business details, recent bank statements, and financials or BAS, depending on the loan size and the lender.
Frequently asked questions
How much can my business borrow?
It depends on your revenue, cash flow, time in business, existing debts and any security offered. Lender policies vary.
Can I get a business loan if my bank declined me?
Lenders assess applications differently, so a decline from one lender does not mean every lender will decline. A broker can review your situation. All applications are subject to lender approval.
What is the difference between secured and unsecured?
A secured loan uses an asset as security, which can mean a lower rate. An unsecured loan needs no asset but is often priced higher.
Does this calculator include fees?
No. Establishment fees, ongoing fees and charges vary by lender and would add to the total cost.
More calculators and finance options
SUCCESS STORIES
Real Outcomes For Real Businesses
See how we've helped Australian businesses access the capital they need to grow, expand, and thrive.
✓ Funding Secured
"The process was incredibly fast. We secured $50k in unsecured cash flow within 24 hours to stock up for the holiday rush."
Sarah Jenkins
Retail Store Owner
✓ Funding Secured
"We needed new heavy equipment to take on a major contract. The secured loan was structured perfectly for our timeline."
Mark T.
Construction Director
✓ Funding Secured
"As a tech startup, finding expansion capital can be tough. They matched us with a specialist lender who understood our vision."
Elena R.
Tech Startup Founder
NO OBLIGATION, FULL TRANSPARENCY
Ready To Fuel Your Ambition?
Get a tailored no-obligation assessment with complete fee transparency. Our expert team will guide you through every step to secure the optimal business loan.
Access 50+ Specialist Lenders
1300 483 955 • [email protected] •
Important legal stuff
New Direction Finance (ACN 16 727 63 06), Australian Credit Representative Number is 499888 authorised under Australian Credit Licence 389527 We will never sell your email address to any third party or send you nasty spam, promise.
New Direction Finance is a privately owned and operated Australian business.
*WARNING:
All applications are subject to assessment and lender approval. Quoted rates apply to personal loans unsecured loans and all applications are subject to assessment and lender approval.
IMPORTANT INFORMATION:
Loan terms differ and subject to lender and credit criteria. Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn’t take into account any product features or any applicable fees. Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice.. All applications for credit are subject to lender credit approval criteria.© New Direction Finance 2026
New Direction Finance Pty Ltd | Australian Credit Licence (ACR) 499888
The information provided on this website is general in nature and does not take into account your personal or business financial objectives, situation, or needs. All applications are subject to lender approval and standard terms & conditions.
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