Become, formerly Lending Express (learn more)

Top Business Lenders

Looking for business loan? We've reviewed the top business lenders in Australia to help you get the right loan for your business.

How we rank
The ranking on this site is determined by Top Business Lenders at its sole discretion, based upon, inter alia, accessibility of the various sites, scope of the services offered and other factors. The ranking should NOT be relied upon for accuracy purposes. To provide you this service free of charge, we embed links to the provider sites that assign us referral commissions. We guarantee that this arrangement does not cause any bias to the offers we display, although it may impact the ranking structure.

Top Business Lenders does not specifically endorse the ranked sites. The data presented on this site and any possible use of it is subject to our Terms of Use
9.9
Prospa Top Features
  • Fixed term loans up to $300K
  • Flexible line of credit
  • Over $1 billion lent
  • Quick and easy application
  • Trustpilot Rank: 9.9 rank
  • Read Full Review
9.8
Ondeck AU Top Features
  • Short-term business loans
  • Up to $250K
  • Over $10 billion funded globally
  • Not credit score based
  • Trustpilot Rank: 9.8 rank
  • Read Full Review
9.8
Valiant Top Features
  • Multiple loan options
  • $5K-$1M
  • Flexible terms
  • Quick & easy process
  • Trustpilot Rank: 9.8 rank
  • Read Full Review
9.8
Bizcap Top Features
  • Unsecured loans from $5K-$250K
  • Easy renewal process
  • Terms from 3-24 months
  • Quick and easy application
  • Read Full Review
9.7
Business Fuel Top Features
  • Flexible business loans
  • Equipment & vehicle finance
  • Cashflow & invoice funding
  • Over $50 million funded
  • Trustpilot Rank: 9.7 rank
  • Read Full Review
9.4
Cigno Business Solutions Top Features
  • Unsecured business loans
  • Funds up to $10,000
  • Paid in as little as 2 hour
  • For any business purpose
  • Read Full Review
9.0
Capify Top Features
  • Unsecured business loans
  • Merchant cash advances
  • From $5K-$300K
  • $650+ million funded
  • Trustpilot Rank: 9.0 rank
  • Read Full Review
8.7
Speedy Finance Top Features
  • Business loans from $2K - $100K
  • Quick decision
  • 15+ years experience in Australia
  • Flexible & personalised
  • Even use loan to buy existing business
  • Read Full Review
7.5
Captrove Top Features
  • Unsecured business loans
  • Funds from $5K-$60K
  • Attractive terms
  • Suitable for young businesses
  • Transparent funding process
  • Read Full Review
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How To Choose A Business Lender

Once you’ve read our reviews, you’ll be well-equipped to choose the best lender for your business.

Here are the most important factors to consider when making your choice:

1. Approved credit providers only

It’s essential to get a loan only from an accredited provider. All of the lenders we reviewed are approved credit providers in Australia.

2. Easy application

Applying for a loan with an online lender should be quick and easy using an online application form. The lenders we reviewed here all provide online loan application.

3. Speed of funding

Traditional lenders are slow and bureaucratic, online lenders are fast. It’s as simple as that. Check out the average time it takes to get a loan for each lender.

4. Flexible & transparent repayment terms

Repayment terms should be flexible to match the changing needs of a growing business. Flexible unsecured loans, lines of credit, merchant cash advances are all different types of flexible loan products offered by the reviewed lenders. The repayment structure and fees should be transparent, there should be no hidden costs or early repayment penalties.

5. Loan restrictions

Make sure there are no limitations on how you can use your loan in your business. Most of the lenders we reviewed have no restrictions, as long as the loan is used for a business purpose. The exception is a loan product that’s for a specific purpose, such as Equipment/Vehicle Finance.

6. Approval rates

You probably bypassed the bank because of the low chance of getting approved. All the lenders reviewed here have high approval rates.

We chose our reviewed lenders based on all of these factors. Click here to read our top lender reviews.

Manual Comparison or Automated Finders?

If you don’t feel like doing all the research yourself, you can use an automated loan finder such as Become to help you find the right loan. This is how it works:

  1. Visit a reputable Australian business lending marketplace.
  2. Fill in one quick online application form to see if you qualify.
  3. The algorithm will automatically match you to the best lender for your business based on your specific profile.
  4. You’ll start getting loan offers from your preferred lenders and receive the money in just a few days.

Alternatively, you can use our detailed reviews of each of Australia’s top lenders to help you choose your preferred lenders. You will then need to apply to each lender individually.

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