Australia-Wide Business Loans for SMEs & Business Owners
Fast, flexible business finance across Australia for growth, cash flow, equipment, staffing, expansion and new ventures.
Need funding to grow your business, improve cash flow, purchase equipment, hire staff, expand operations or launch a new venture? Tigris Finance helps Australian SMEs, sole traders, self-employed professionals and business owners access tailored business loan solutions from a panel of 74+ lenders.
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A business loan is finance obtained in the name of your business — whether you're a sole trader, partnership, company or trust. Unlike traditional lending that focuses heavily on personal income, business loans are assessed primarily on your business's capacity to generate revenue and repay the debt.
Businesses across Australia use business finance for
At Tigris Finance, we broker business loans through a network of more than 74 lenders, including Australia's major banks, second-tier lenders, specialist non-bank financiers and short-term cash flow providers.
We take the time to understand your business goals, cash flow requirements and growth plans before recommending the most suitable funding structure.
Business loan structures we can assist with
Our approach is simple: secure the right rate, the right structure and the right loan term to support your business objectives while keeping the process fast, straightforward and stress-free.
Whether you need a short-term cash flow solution, funding for expansion, equipment finance or capital to launch a new venture, we work with businesses of all sizes across Australia to find competitive funding solutions that fit their circumstances.
Why Choose Tigris Finance?
What You'll Learn on This Page
This guide explains what a business loan is and how it works, the different types of business finance available, when a business loan may be the right funding solution, typical interest rates, fees and lending criteria, common funding scenarios we assist with, the business loan application process and frequently asked questions from Australian business owners.
Whether you're an established SME seeking growth capital, a self-employed professional looking to improve cash flow, or a new business searching for startup funding, Tigris Finance can help you explore your options with confidence through our obligation-free pre-approval process.
Business Loan Solutions Australia-Wide
Tigris Finance proudly assists businesses and individuals throughout Australia, including Brisbane, Gold Coast, Sunshine Coast, Sydney, Melbourne, Adelaide, Perth, Canberra, Hobart, Darwin and regional areas. With phone, email and online appointments available, securing business finance has never been easier.
Common uses for business loans
Working capital
Cover wages, supplier invoices, GST, BAS, rent, utilities and the day-to-day cost of running. Smooth out seasonal cashflow gaps without dipping into personal funds.
Expansion & growth
Fund a new location, additional staff, marketing campaign, new equipment line, or product launch. Treat capital as a tool, not a constraint.
Equipment & vehicles
Often financed under asset finance rather than an unsecured business loan, but we'll structure it whichever way costs you less.
Inventory & stock
Trade finance, inventory finance, and seasonal stock-up facilities for retailers, wholesalers and distributors.
Startup capital
Funding for new businesses with a clear plan and a guarantor or asset to secure against. Harder than mature SME lending, but possible.
Tax debt & ATO arrangements
Specialist lenders refinance ATO debt where the mainstream banks won't. We know who plays in this space and who doesn't.
Business Loans FAQs
How much can my business borrow?
Unsecured business loans typically range from $5,000 to $500,000 depending on lender, time in business, turnover and credit profile. Secured business lending (with property or assets as security) can go much higher. Tigris Finance can give you a realistic ceiling in the first conversation.
Do I need to provide financials for a business loan?
Not always. For loans under $250,000, many lenders accept three months of business bank statements as the primary income proof. Larger loans, longer terms or property-secured deals usually require BAS, tax returns and management accounts.
Are business loan repayments tax deductible?
Interest on a business loan is generally tax deductible, but the principal repayment is not. Always check with your accountant for your specific structure (sole trader vs company vs trust).
Can I get a business loan with bad credit?
Yes, through specialist business lenders who price credit-impaired scenarios properly. The rate will be higher than prime, but the deal is available. We'll be upfront about what to expect.
How fast can a business loan settle?
Same-day to 72-hour settlement is realistic for unsecured business loans under $150,000 from non-bank lenders. Bank facilities, property-secured deals and larger commercial structures take 1-4 weeks.
Related services
Where business loans isn't quite the right fit, one of these probably is:
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