QUICK FINANCE

The right business loan depends on what your business needs right now — whether that’s cash flow support, funding to purchase equipment, or capital for expansion. Our lending specialists assess your goals, financial position and operating structure to match you with the most suitable lender, loan type and repayment terms. We make sure the finance solution supports your business strategy, not restricts it.

A secured business loan is backed by collateral such as property, vehicles or equipment, giving the lender security if the loan isn’t repaid. These loans typically offer sharper rates, higher borrowing limits and longer terms.

An unsecured business loan does not require collateral and relies more heavily on your trading history, revenue strength and credit profile. These loans are faster to approve, though they may come with slightly higher rates or shorter terms.

If you're unsure which is right for you, we’ll help you weigh up cost vs flexibility.

Business finance can help you maintain cash flow, invest in new equipment, take on larger contracts, hire staff, or expand into new locations. Many business owners use funding to stabilise operations during growth periods and to avoid cash-flow pressure from seasonal revenue cycles. The right finance solution allows you to grow confidently, not cautiously.

Refinancing means replacing your current loan with a new one that better suits your situation. Businesses commonly refinance to:

• Reduce monthly repayments
• Access better rates or terms
• Fund renovations, upgrades or expansions
• Switch from fixed to variable (or vice versa)
• Consolidate multiple loans into one simpler facility

There can be costs involved (such as discharge fees, application fees or valuation costs), so our experts compare the numbers with you to determine whether refinancing will genuinely save you money and improve your financial position.

Yes — in many cases you can. Lenders look at your overall business performance, not just your credit score. Demonstrating steady revenue, strong customer relationships and on-time payment history can help strengthen your application.

If your credit score is low, we can guide you on:

• Which lenders are most likely to approve
• How to position your trading history positively
• Steps to improve your credit profile moving forward

Many business owners use finance strategically to protect cash flow and create stability, which can support better credit outcomes over time.