Fund your next business move with confidence.
Whether you are covering a cash flow gap, buying equipment, or backing your next stage of growth, we help you find finance that fits how you operate. We compare lenders, explain the trade-offs plainly, and let you move at your own pace.
Get in touch
Finance that fits your business.
Business finance is rarely one size fits all. The right facility depends on what you need the money for, how steady your income is, and how quickly you can repay, and the wrong product can tie up cash you would rather keep working. That is the part most owners would rather not navigate alone.
Working with a mortgage broker for business loans means you have someone matching the finance to the way you actually trade, not squeezing your plans into the nearest product.
A good mortgage broker in Albury & Wodonga will look at your cash flow, your goals, and the security you can offer, then talk you through what suits.
If your plan involves buying premises through your super, a self-managed super fund (SMSF) loan broker can map that path with you too.
Every business is different, from a sole trader to a growing team, so the right answer for you might look nothing like another owner's. We take the time to understand how your business runs, then guide you through the options without the pressure.
Types of Business Finance
The word loan covers a lot of ground in business, and the type you choose shapes both your repayments and your flexibility. A few common forms are worth understanding before you commit:
Term Business Loan
A lump sum repaid over a set period, often used for a specific purpose such as a fit-out, a vehicle, or an expansion. The structure is predictable, which makes budgeting easier, though it suits planned spending more than day-to-day fluctuations.
Business Line of Credit
A flexible limit you can draw on as needed and repay as cash comes in, which can help smooth the gaps between paying suppliers and getting paid. You usually pay interest only on what you use, though an open facility takes discipline to manage well.
Equipment and Asset Finance
Equipment finance is tied to a specific asset, such as machinery, a vehicle, or technology, where the asset itself often acts as the security. It can free up your cash for other things, and the way it is structured can have tax implications worth confirming with your accountant.
Commercial Property Finance
A commercial loan to buy or refinance business premises works a little like a home loan, but with its own pricing and deposit expectations. Owning where you trade can suit some businesses, though it ties up capital that might otherwise fund growth.
Invoice Finance
A way to borrow against money your customers already owe you, releasing cash that would otherwise sit in unpaid invoices. It can ease cash flow for businesses with long payment terms, though the cost needs to be weighed against the benefit.
Secured or Unsecured Business Loan
Most business finance falls into one of two camps: secured against an asset or unsecured, and the choice affects your rate, your limit, and what is at stake. Seeing them side by side helps you weigh which suits your situation.
| Secured Business Loan | Unsecured Business Loan |
|---|---|
| Backed by an asset, such as property | No specific asset pledged as security |
| Often a lower rate and a larger limit | Often a higher rate and a smaller limit |
| The asset is at risk if you cannot repay | Usually relies on a personal guarantee instead |
| May take longer to set up | Often faster to arrange |
| Suited to larger or longer-term needs | Suited to smaller or shorter-term needs |
Who Can Apply for a Business Loan
Eligibility comes down to the lender and the type of finance, so the only way to know for certain is to have your situation looked at. As a general guide, most businesses seeking finance will usually need to show a few common things:
- An active Australian Business Number (ABN), and registration for Goods and Services Tax (GST) where it applies
- A trading history, though some lenders consider newer businesses
- Enough income or cash flow to comfortably cover the repayments
- Business financials or bank statements that show how you trade
- Security to offer, or a personal guarantee, depending on the loan
- A credit history, business and personal, that is in reasonable shape
Lenders vary widely in how they assess businesses, so treat these as a starting point rather than a fixed list. We can check your position against the lenders most likely to suit the way you operate.
What Lenders Look at for a Business Loan
A lender wants confidence that the business can carry the repayments and that the borrowing has a clear purpose. The government's guide to apply for a business loan is a useful starting point, and the areas below are the ones we always work through with you:
Your Cash Flow and Trading History
Lenders look closely at how money moves through the business and whether it comfortably covers a new repayment. Steady, predictable income tends to help, while seasonal or lumpy revenue may be assessed more cautiously, which is where presenting your figures well makes a difference.
Your Business Plan and Purpose
A clear reason for borrowing reassures a lender far more than a vague one. Whether the funds are for equipment, premises, or growth, being able to show how the money will be used and how it helps the business strengthens the application.
Your Available Security
Whether you can offer property or another asset as security affects your rate, your limit, and which lenders will consider you. Unsecured options exist, though they usually cost more and rely on a personal guarantee instead.
Your Credit and Existing Debts
Both business and personal credit can come into play, along with any existing commitments. A clean record helps, while past issues can often be worked around with the right lender and a little preparation.
What You'll Need to Get Started
When you are ready to begin, having a few things on hand makes that first conversation far more useful. Nothing needs to be perfect, and we can help you fill any gaps, but the items below are the ones lenders tend to ask for.
- Photo identification for the owners or directors
- Your ABN and basic business details
- Recent business bank statements
- Financial statements or tax returns for the business
- Recent Business Activity Statements (BAS), if applicable
- Details of existing business debts and any security you can offer
Different lenders and loan types ask for different things, so think of this as a starting point rather than the final word. Missing a few is completely fine. Reach out anyway and we will confirm exactly what your lender will need.
The value of a broker shows up in the doing, not the theory. A big part of our role is matching the right facility to your business and presenting it well, so you can keep your attention on running things.
Understanding how you trade
We start by getting a real sense of how money flows through your business and what you need the finance to do. That picture shapes everything, and it often reveals a structure that suits you better than the obvious one.
Comparing business lenders
Banks and non-bank lenders assess businesses very differently, and one that hesitates may be welcomed by another. We compare a panel against your situation, so you are not left guessing who is comfortable with your industry or your numbers.
Structuring the right facility
Whether a term loan, a line of credit, or asset finance fits best, we help set it up so the repayments and flexibility suit your cash flow. Getting the structure right at the start saves cost and friction later.
Handling the paperwork
Business applications can be document-heavy, so we help you gather what is needed and present your position clearly. Getting it right the first time helps avoid delays and unnecessary knock-backs.
Reviewing as you grow
The finance that suits you now may not suit you in a couple of years, so we stay in touch and review things as the business changes. The relationship does not end at settlement, and there is never any pressure to act before it makes sense.
Mistakes to Avoid With Business Loans
Most of the regret around business borrowing comes from a handful of avoidable missteps. None are unusual, and all are easier to sidestep once you know what to watch for:
Borrowing for the Wrong Term
Funding a long-term asset with short-term finance, or the reverse, can strain cash flow needlessly. Matching the loan term to the life of what it pays for keeps the repayments sensible.
Overlooking the Total Cost
A low rate can sit beside fees that change the real cost of borrowing. Looking at the whole picture over the life of the facility, not just the headline rate, is the only way to compare fairly.
Mixing Business and Personal
Blurring business and personal finances can muddy your records and complicate an application. Keeping them sensibly separated makes the business easier to assess and easier to run.
Ignoring Cash Flow Timing
Even a profitable business can feel the pinch if money goes out before it comes in. Choosing finance that fits the timing of your income, not just the amount, keeps things comfortable.
Why Business Owners Choose Loan Street Finance
Plenty of brokers can arrange a loan. What tends to bring business owners our way, and keep them coming back, is the way we treat your business finance as part of how the whole business works.
- Local to Albury and Wodonga, so we know the area and the lenders active here
- A focus on how you trade, not just the headline rate
- Everything explained in plain language, with the jargon left at the door
- Honest, no-pressure advice that starts with your goals, not a sale
- Happy to work alongside your accountant and bookkeeper
- A long-term finance partner, not a one-off transaction
If that sounds like the kind of broker you want beside you, we would be glad to hear from you whenever you are ready. There is no pressure and no obligation, just a friendly chat to point you in the right direction.
Signs It May Be Time to Borrow
There is rarely a perfect moment, but a few simple signs can suggest it is worth looking into what may be possible:
- Cash flow gaps are making it hard to pay suppliers on time
- You have a growth opportunity that you cannot fund from cash alone
- Ageing equipment is holding the business back
- You are weighing up buying rather than leasing your premises
- Unpaid invoices are tying up money you need now
The team at Loan Street Finance is here to break things down, compare the right lenders, and help you choose finance that fits how your business actually runs. Just clear, friendly guidance from people who do this every day.
Hi there, I'm Kirsty
Kirsty has spent over 18 years helping people achieve their home ownership dreams. She takes the time to understand each situation and provides guidance without jargon or pressure, whatever the structure behind the purchase.
Book a chat with Kirsty
Hello, I'm Sophie
With 12 years in finance, Sophie brings extensive expertise in business and residential lending. She specialises in agricultural, commercial, equipment finance, and home loans, with tailored advice to suit each client's needs.
Book a chat with Sophie
See what local clients say about us
We are proud of the relationships we build across Albury and Wodonga. You can read what clients have to say, or leave a review of your own, on our Google Business Profile.
Read our Google reviews
Business loan questions, answered.
Does using a broker cost me anything?
Can I get a business loan for a new business?
Do I need to offer property as security?
How much can my business borrow?
How long does approval take?
Will a business loan affect my personal credit?
The information on this page is general in nature and does not take into account your personal or business circumstances, including your financial situation, your goals, or your industry. Interest rates, fees, lender policies, and tax treatment can change over time and vary depending on your situation. Before making any decisions, it is a good idea to speak with a qualified professional, such as your accountant, who can look at your individual circumstances and give advice that genuinely fits you.