Australian small-business owners reviewing paperwork together

Partnering with Australian business

Fast, flexible business loans to fuel your cashflow.

Non asset backed lending from $5K to $2M for Australian SMEs – approved in 30 to 60 minutes, funded the same day.

No obligation · 2-minute application · No upfront credit check

Backing Australian businesses since 2024

funded to Australian SMEs: $50M+
businesses backed: 1,000+
returning customers: 60%+

How do I get funded?

We partner with businesses other lenders pass on, and we help them grow. To qualify for most Velociti loans, you'll need:

An active ABN or ACN
At least 3 months of trading
Monthly turnover of $10,000 or more

Apply now

Application

Take 2 minutes to apply online and we'll get straight onto your assessment.
Assessment

You'll speak to a real lending specialist who reads the whole story of your business, not just a score. No credit check at this stage.
Funding

Once approved, the funds can be in your account the same day, on a repayment plan we work out together. Most clients come back to us as they grow.

Eligibility

Simple standards for serious growth.

Three questions, no credit check, no obligation. We'll tell you straight away if you're likely to qualify.

How long has your business been trading?

What's your average monthly revenue?

Are you an Australian citizen or permanent resident?

Step 1 of 3

About Velociti

An Australian lender that partners with you.

Velociti gives small and medium Australian businesses fast access to flexible funding. Apply online in minutes and we can approve facilities from $5,000 to $2,000,000 in as little as 30 to 60 minutes and fund the same day.

We assess how the business is trading today, not just a credit file, so we can say yes to more industries and more situations than most lenders will. No property security required.

We fund from our own book, quote one plain-English price with no broker mark-ups, and keep the same Australian team on your file for the life of the facility.

$5K–$2M 30–60 min decision Funded same day

More about Velociti

What we say yes to

Past credit issues A default or a bad year does not end the conversation.
Facilities with other lenders Already have finance in place? We can sit alongside it.
Consolidations and refinances Roll several facilities into one, or bridge a refinance that is taking too long.
No property security Unsecured to $2M. Your home stays out of it.
Every industry Trades, hospitality, transport, retail, health, agriculture and more.
A real person reviewing Australian credit team, not an automated score.

Customer reviews

Read our customer testimonials

Rated 4.9 out of 5 across 380+ reviews from businesses we've funded.

1 / 5

Retail

Quick and easy to deal with. Offer came through the same morning and the funds were in the next day. Highly recommend.

Maria C. Brisbane, QLD

Civil contracting

Good communication, friendly service, fast approval. Not the cheapest money out there but they were upfront about it.

Daniel R. Perth, WA

Hospitality

Second facility with Velociti now. The team are great to deal with and very responsive.

Priya S. Melbourne, VIC

FAQs

Common questions, answered

Straight answers about business financing, eligibility and funding timelines.

How does it all work?

Fill in the online form, which takes about two minutes, and send through six months of business bank statements. We look at the file without touching your credit and come back with a conditional offer, usually within 30 to 60 minutes. Happy with it? We tidy up a couple of last details and the money can land the same day.

How fast can I get the money?

Most decisions land in 30 to 60 minutes and we fund the same business day. If you are up against a deadline, say so and we will push your file to the front. The only thing that really slows us down is missing paperwork, so send it all through at once.

How much can I borrow?

Anywhere from $5,000 to $2,000,000. What we offer depends on your turnover, how long you have been going, and what the money is for. We would rather set it at a level you can comfortably repay than write the biggest number we can.

Do I qualify?

If you have an active ABN or ACN, three months of trading behind you, and monthly turnover of $10,000 or more, it is worth applying. We care more about how the business is going now than what your credit file says.

Do I have to put up my house?

No.

What if my credit is not great?

It is not a dealbreaker. A default or one bad year does not end the conversation. We look at your trading history, your turnover, your assets and you as an owner. That is often where we can help when others have said no.

Will applying hurt my credit score?

Not up front. We can make you a conditional offer without running a credit check, so you can see where you stand at no cost to your score. We only do a hard enquiry once you have decided to go ahead.

What do you need from me?

Six months of business bank statements to start. On larger facilities we may ask for tax returns or financials. We keep the paperwork light on purpose, because the less we have to chase, the sooner you are funded.

What will it cost?

We price each facility on your cash flow, payment history and how the business is tracking. There is one establishment fee, agreed before you sign and written into your contract. No compounding interest, and nothing that shows up later.

Can I pay it out early?

Yes, and we will knock money off if you do. Pay it out ahead of schedule and you keep part of what is left to run. Repayments can be weekly, fortnightly or monthly, whichever suits your cash flow.

What if I only need it for a few weeks?

Tell us and we will set the term around that. Plenty of our clients borrow to cover a stock run, a late invoice or a tax bill, and the early payout discount means you are not paying for time you did not use.

What can I spend it on?

Anything the business needs: stock, equipment, a fit-out, repairs, marketing, wages, tax and supplier bills, or just getting through a quiet month.

See all FAQs or speak to a specialist

Success stories