Growth funding questions, answered

We help Australian business owners fund growth moves — marketing, hiring, equipment, vehicles, fit-outs, second locations, acquisitions and big contracts — with the payback maths done before anyone borrows. You enquire, a real person reviews your plan and calls you, and we match funding shaped around how the move will earn its money back.

Unsecured, cash-flow and line-of-credit 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.

We don't publish rates because every facility is priced on the business's own circumstances — trading history, security, amount, term and the plan itself. We focus on the total cost of finance in dollars, which is what you need to test whether the move pays for itself.

No. There's no credit check when you first enquire. We only discuss a credit check once you've seen your options and decided to proceed.

No. There's no spray-and-pray here. A real person reviews your enquiry and matches it deliberately, so you won't be flooded with calls from lenders you've never heard of.

Estimate the extra gross profit per month (extra revenue × gross margin − new running costs), allow for a ramp-up, and compare the cumulative total with the amount borrowed plus the total cost of finance. If it's covered well inside the term, the move pays for itself. The Growth ROI calculator does this for you.

Yes. Marketing is a legitimate business purpose, and unsecured or line-of-credit options often suit it because campaigns can be tested and scaled in stages. The key is knowing your customer acquisition cost and the gross profit a new customer brings.

Yes. Funding can carry a new hire through the months before they're fully productive. Budget for wages at or above the relevant award, 12% super, workers compensation and on-costs, and remember super now needs to reach the fund within seven business days of payday.

Yes. A second site is often funded with a mix — a property-secured loan or equipment finance for the fit-out, plus working capital for the ramp-up months while rent and wages run ahead of customers.

Often, yes. Contract working capital covers materials, labour and mobilisation while you wait on progress payments or invoices. Lenders will want to see the contract, the payment terms and your track record delivering similar work.

Past credit issues and ATO debt considered case by case. What matters is the full picture — why it happened, what's changed, and how the growth move strengthens the business. Honest answers on the form help us find the right fit.

No. Trading businesses can access unsecured and cash-flow options sized on turnover and bank statements. Property can unlock larger amounts and longer terms, but it isn't required for every move.

No. Everything we arrange is for business purposes only.

Only once you decide to proceed. Typically photo ID, your ABN or ACN, recent business bank statements, and details of the growth move such as quotes, a contract or a lease. For property-secured loans, details of the property and any existing mortgage.

It depends on the structure and how quickly documents come together. Unsecured options generally move faster than property-secured loans, which need a valuation and settlement. Your lending specialist will give you a realistic timeline on the first call.

Grants are worth checking — business.gov.au has a grants and programs finder — but they're competitive, usually need matching funds and often reimburse spending after the fact. Many owners use a loan to act now and a grant, if won, to reduce the net cost.

Business Boosters is a trading name of Techgen LLC Pty Ltd (ACN 696 942 391), with an office at Level 25, 100 Mount Street, North Sydney NSW 2060.

Send a 60-second enquiry on our apply page, or call us. Please fill the form in accurately — the amount, purpose, state and any property — so we can match you properly on the first call.