Growth finance for Australian businesses
Borrow for growth that pays for itself
A marketing push, a new hire, a bigger machine, a second site, the contract you've been chasing. Check the payback here, then talk to a real person about growth funding from $5k – $5m.
- No credit check to enquire
- No spray-and-pray
- A real person on your plan
No credit check to enquire
Asking whether your growth plan can be funded leaves your credit file untouched. A credit check only comes up once you choose to go ahead.
No spray-and-pray
We don't fire your details at a crowd of lenders. Your enquiry is matched deliberately, so your phone stays quiet.
A real person on your plan
A lending specialist reads your numbers and calls you. Honest, accurate answers on the form let us line up the right option first time.
Pick your growth move
What are you boosting?
Each move earns its money back differently. A campaign can pay back in weeks; a second site might take a year to hit its stride. Choose yours for the funding options, the payback maths and what lenders will ask.
Marketing and advertising
Thinking of a loan for marketing? How to size a campaign, work out customer acquisition cost and payback, and which funding suits ad spend in Australia.
Fund this move →Hiring staff
Finance to hire staff explained: the true cost of a new employee, how long before they pay for themselves, and funding that carries the ramp-up months.
Fund this move →New equipment
Equipment finance for expansion: how to test whether a new machine, vehicle or tool will pay for itself through utilisation, margin and the $20k write-off.
Fund this move →A second location
Second location funding for Australian businesses: what a new site really costs, how long it takes to pay back, and how to fund fit-out and ramp-up together.
Fund this move →Delivering a big contract
Funding a big contract: how to map the cash gap between starting work and getting paid, price the cost of finance into the job, and choose the right facility.
Fund this move →Fit-outs and refurbishments
Fit-out finance for shops, clinics, cafés and offices: how to budget a fit-out, prove the payback from extra capacity or higher sales, and choose the funding.
Fund this move →Extra vehicles
Fleet expansion finance for trades, transport and service businesses: when another vehicle pays for itself, what it really costs to run, and how to fund it.
Fund this move →A new product line
Funding a new product line: budget development, first stock runs and launch marketing, test demand in stages and work out when the new range pays for itself.
Fund this move →How it works
Your launch sequence
From "is this a good idea?" to funds in the account, with the maths done first and a real person beside you.
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Run the numbers
Use the Growth ROI calculator to see when your move pays for itself. Two minutes, no sign-up.
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Send a 60-second enquiry
Amount, purpose and a few facts about the business. No credit check when you first enquire.
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A real person calls
A lending specialist talks through your plan, your numbers and the structures that fit how it will pay back.
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Lift-off
Once you choose to go ahead, the paperwork is spelt out clearly, and funds are paid to you or straight to your supplier.
Myth-busting
Four growth myths that stall good businesses
Growth plans rarely fail because the idea was bad. They stall because the cash, the margin or the timing wasn't planned. Here's what to watch.
MythMore sales means more cash.
RealityGrowth spends before it earns. Stock, wages and unpaid invoices arrive first; the extra profit lands later. Plan the gap.
Why fast growth drains cash →MythThe extra revenue repays the loan.
RealityOnly the gross profit on that revenue does — after materials, direct labour and delivery. Revenue is the headline; margin is the fuel.
Margin, the number that decides payback →MythThe cheapest-looking loan wins.
RealityCompare finance by its total cost in dollars and by whether repayments fit the ramp-up. The wrong structure can cost more than a higher price.
Compare loans in dollars →MythWait until you can pay cash.
RealitySometimes right — but waiting has a cost too. A year of missed profit can outweigh the entire cost of finance.
Borrow now or save up? →Payback maths
The booster equation
Every growth decision on this site comes back to one simple test. If the left side comfortably beats the right inside your loan term, the move pays for itself.
Monthly boost = extra revenue × gross margin − new running costs
Pays for itself when monthly boost × months ≥ amount borrowed + total cost of finance
- ROI on borrowed moneyHow to work out the return on a business loan for growth: the simple formula, a worked example and the three numbers that decide whether it pays off.
- Payback periodHow to calculate the payback period on a growth investment, why ramp-up changes the answer, and how to match your loan term to the month it pays for itself.
- Total cost of financeWork out the total cost of a business loan in dollars — interest, fees and charges over the full term — and use it to compare growth funding offers fairly.
- Gross margin and growthGross margin vs markup explained for growth planning: how to calculate each, why mixing them up wrecks payback maths, and how to find your margin on new work.
- Acquisition cost and lifetime valueCustomer acquisition cost and lifetime value explained for Australian small businesses: formulas, a worked example and how both decide if marketing pays back.
- New hire break-evenWhen does a new employee pay for themselves? Work out a hire's full cost, the gross profit they unlock and their break-even month, with a worked example.
Fuel for the move
Two ways to fund growth
Which one fits depends on the size of the move, how fast it pays back and whether there's property in the picture. Past credit issues and ATO debt are considered case by case.
$5,000 to $500,000
Unsecured and cash-flow growth funding
For trading businesses without property to offer. Sized on turnover and business bank statements. Suits marketing pushes, hires, stock and shorter paybacks, and includes line-of-credit options you can draw as the plan rolls out.
How unsecured growth funding works →$20,000 to $5,000,000
Property-secured growth loans
First mortgages, second mortgages and caveat loans over residential or commercial property. Suits bigger moves — second locations, fit-outs, acquisitions, fleets — where more capital changes the result.
Using property equity to expand →Also compare: growth loans · lines of credit · grants vs loans · debt vs equity
Pre-flight check
Is your business ready to borrow for growth?
Eight yes-or-no questions on margin, demand, cash buffer and paperwork. You'll get a readiness score and the gaps worth fixing before you launch.
Guides
Before you need the money
Practical reading for owners planning their next step — marketing budgets, hiring, tenders, tax thresholds and leases.
How Much Should a Small Business Spend on Marketing?
How to set a small business marketing budget that pays for itself: three budgeting methods, the maths behind each, and how to scale spend without wasting it.
Overtrading: Why Growing Too Fast Can Drain Your Cash
What overtrading is, why fast-growing profitable businesses run out of cash, the warning signs to watch, and how to grow quickly without running dry.
Signs You're Ready to Hire Your First or Next Employee
Eight signs your business is ready to hire, the workload maths that proves it, and the checklist to get right before a new employee's first day in Australia.
Straight answers
Growth funding questions, answered
What is a business growth loan?
A business growth loan is finance used to fund an expansion move — a marketing campaign, new staff, equipment, a fit-out, a second location or the working capital to deliver a large contract. It can be unsecured and sized on your turnover, or secured against residential or commercial property for larger amounts. The best growth loans are matched to how quickly the move earns its money back.
How do I know if borrowing to grow will pay off?
Work out the extra gross profit the move should add each month (extra revenue multiplied by your gross margin, minus any new running costs), then compare it with the amount you borrow plus the total cost of finance in dollars. If the profit repays both well inside the loan term, with room for a slow start, the move pays for itself. Our Growth ROI calculator does this maths for you.
How much can I borrow for business expansion?
Unsecured and cash-flow options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured growth loans run from $20,000 to $5,000,000, using first mortgages, second mortgages or caveat loans over residential or commercial property. What's right depends on the move, your trading history and your security.
Do you publish interest rates?
No. Every growth facility is priced on the business's own circumstances — trading history, security, the amount, the term and the plan. Instead of a headline rate, we talk about the total cost of finance in dollars, because that's the number you need for your payback maths.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've seen your options and decided to go ahead.
Can I get growth funding with bad credit or ATO debt?
Often, yes. Past credit issues and ATO debt are considered case by case. A lending specialist will want to understand what happened and how the growth move strengthens the business from here — so honest answers on the enquiry form help.
Will my details be sent to lots of lenders?
No. We don't spray your enquiry across a crowd of lenders. A real person looks at your plan and matches it deliberately, so you won't be flooded with calls.
What can growth funding be used for?
Business purposes only: marketing and advertising, hiring and training staff, equipment and vehicles, fit-outs, a new location, stock for a new product line, technology, buying a competitor, export expansion and the working capital to deliver a big contract.
Ready to see what your growth plan could qualify for?
Tell us the move and the amount. A real person looks at your numbers and calls you — no credit check when you first enquire, and your details stay with us.
No credit check to enquire
No spray-and-pray
A real person on your plan