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Can I get a business loan completely online in Australia?

Yes. Velociti Capital's business loans are applied for, assessed and settled entirely online: a 2-minute application on any device, digital upload of 6 months of bank statements, a conditional offer within 30 to 60 minutes and same-day settlement of $5,000 to $2,000,000 to your business account. No branch visit, no posted documents and no property security. Requirements: valid ABN, 3+ months trading history and $10,000+ monthly revenue.

Online Business Loans

Online business loans, from phone to funded

Apply in 2 minutes from any device, upload bank statements digitally, get a conditional offer in 30 to 60 minutes and settle the same business day. From $5,000 to $2,000,000 — no branch visit, no property security.

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Australian café owner running her small business

Funded today

Approved in 30–60 min

Maximum loan amount
$2M
Approval decision
30–60 min
Funds in your account
Same day
Property security required
0%
  • Trusted by 1,000+ Australian businesses
  • 256-bit SSL secured
  • Australian-owned
  • Transparent pricing

What it's for

One online application, three common uses

Whether you're covering a short-term gap, buying equipment or investing in growth, the same 2-minute form starts every facility.

Working Capital

Cover cash flow gaps, bridge receivables, and keep daily operations moving when timing matters most.

  • Loans from $5K to $2M
  • Terms up to 12 months
  • Weekly or monthly repayments
  • Funds the same day

Indicative repayment

Weekly

$25K

$620

$50K

$1,240

$100K

$2,480

Indicative only. Estimates based on a representative not asset backed business loan and subject to credit assessment, business performance, term and fees. Not a quote or offer of finance. For business purposes only — this product is not regulated by the National Consumer Credit Protection Act 2009 (Cth).

Equipment Finance

Fund new tools, vehicles, and machinery without delay.

  • Fund new equipment fast
  • No asset security required
  • Same-day decisions

Business Growth

Seize opportunities before your competitors can react.

  • Expansion funding
  • Marketing and stock investments
  • Inventory and fit-out finance

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Online lender vs branch bank

What changes when the whole process — application, assessment and settlement — happens online.

Feature Velociti Traditional banks
Approval time 30–60 minutes 2-4 weeks
Funding speed Same day 1-2 weeks
Security required None Property or assets
Application time 2 minutes 30-60 minutes
Documentation Minimal Extensive
Credit flexibility High Strict

The practical difference is opportunity cost. While a traditional bank application drags on for weeks, an application that settles the same business day means you can secure inventory at a discount, cover an urgent supplier invoice, or take on a new contract immediately — without watching the window close.

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After you apply

What happens once you hit submit

Apply in the morning and have funds deposited into your account by close of business. This is achievable when you submit a complete application before midday on a business day. Our team reviews your 6 months of bank statements, assesses your cash flow, and delivers a formal approval decision within 30 to 60 minutes. Once you accept the offer, funds are transferred immediately.

This speed matters for time-sensitive situations — a supplier offering a bulk discount that expires today, an equipment breakdown that halts operations, or a large order that requires immediate stock.

Applications lodged after hours or late in the afternoon are reviewed first thing the next business morning and typically fund within hours of submission — still far ahead of the 2-4 week timeline of a traditional bank. The assessment itself is technology-driven: our systems analyse your bank transaction data to build a real-time picture of business health, which is what compresses a process that would take weeks at a major bank into a single business day.

Online application

Four steps, no branch

No branch visit, no posted documents, no phone trees. The full path from form-open to funds-in-account.

  1. 01 ~2 min

    Apply on any device

    The form runs equally well on mobile and desktop. No app to download.

  2. 02 ~30 sec

    Share bank statements

    Secure upload — most major banks let you download a clean PDF from internet banking.

  3. 03 30–60 min

    Cash-flow assessment

    Automated first pass, human-reviewed second pass. The compression that beats banks.

  4. 04 Same day

    Funds deposited

    Once you accept the offer, money lands in your nominated business account.

Online ≠ no-collateral-but-risky

Same data a bank looks at, faster pipe.

Velociti Capital is an Australian-registered lender operating under the Australian credit framework. Our assessment uses the same financial data a bank reviews — bank statements, ABN registration, ATO portal context — delivered through a faster, technology-driven pipeline.

Larger facilities

Larger facilities, same online process

For established businesses that need significant capital, Velociti offers online business loans up to $250,000 — and beyond, to $2,000,000 for high-revenue operators. Whether you're funding a major equipment purchase, securing bulk inventory at a discount, expanding to a new location, or bridging a large contract gap, a $250K business loan provides the scale to act on opportunities smaller facilities can't cover.

Because facilities are sized at up to 100% of monthly turnover, a $250K loan typically needs monthly revenue of around $250,000, at least 3 months of consistent trading history, and a valid ABN. No property security or collateral is required — approval is based entirely on your business cash flow and recent performance. The same 2-minute application and 30 to 60 minute approval process applies regardless of loan size, so a larger facility is no more paperwork than a small one.

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Eligibility

Who qualifies for an online business loan?

Designed for established Australian businesses that need capital without the delays of traditional banking.

Active ABN

Your business must have a valid, active Australian Business Number.

3+ Months Trading

At least three months of continuous trading history is required.

$10,000+ Monthly Revenue

Minimum monthly turnover of $10,000 demonstrated through bank statements.

Australian-Based

Your business must operate within Australia.

Credit history is considered but isn't a dealbreaker. Velociti focuses on your current cash flow and recent trading performance rather than past credit events. If your credit situation is a concern, our bad credit business loans guide explains how alternative lenders assess applications differently.

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FAQ

Frequently asked questions

Everything you need to know about applying for a business loan online.

Can I apply for a business loan entirely online in Australia?
Yes. Velociti Capital's application runs end to end online: a 2-minute form on any device, secure digital upload of 6 months of bank statements, a conditional offer within 30 to 60 minutes and e-signed documents. There is no branch visit, no posted paperwork and no phone tree. Funds settle to your nominated business account the same business day, typically under 2 hours after you accept.
What do I need to apply for a business loan online?
An active ABN, at least 3 months of trading history, minimum monthly revenue of $10,000 and an Australian-based operation. You'll upload 6 months of business bank statements — most major banks let you download a clean PDF from internet banking — and photo ID for each director. No property security is required, and no business plan or projections.
How much can I borrow through an online business loan?
From $5,000 to $2,000,000. Facilities scale with revenue — up to 100% of your monthly turnover, so $50K monthly revenue supports up to $50K and $250K monthly revenue up to $250K. The exact amount depends on your revenue, cash flow patterns and bank statement analysis, not on the channel you apply through.
Is an online business loan secured against my property?
No. Standard facilities are supported by a personal guarantee and a general security agreement (GSA), with no property security. Approval is based on your business's cash flow and trading performance rather than physical collateral.
What are the repayment terms?
Terms run up to 12 months, with an average around 5 months. Repayments are fixed and can be weekly or monthly to match your cash flow. There are no early repayment penalties if you want to pay the loan out sooner.
Can I get an online business loan with bad credit?
Yes. Velociti Capital assesses current business performance rather than past credit events. Credit history is considered, but cash flow and recent trading patterns carry more weight — many businesses with less-than-perfect credit have been approved. The initial assessment uses a soft credit check that does not affect your score.
How long does the online application take from start to funds?
The form takes about 2 minutes. Once your bank statements are in, a conditional offer typically comes back within 30 to 60 minutes during business hours, and settlement is the same business day — usually under 2 hours after acceptance. Applications lodged after hours are reviewed first thing the next business morning.
Are there any hidden fees?
No. All fees, including any establishment fee, and the factor rate are disclosed in your offer before you sign, and the factor rate does not move after settlement. The fees that apply only if a payment is missed or dishonoured, or the loan defaults, are set out in the contract as well.
Can I get a $250K business loan online?
Yes. Because facilities are sized at up to 100% of monthly turnover, a $250K loan typically needs monthly revenue around $250,000, consistent cash flow over 3+ months and a valid ABN. The same 2-minute application, 30 to 60 minute conditional offer and same-day settlement apply regardless of loan size — and facilities run to $2,000,000 for high-revenue operators.

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Apply online — decision today

Start your 2-minute application below. No credit check at this stage — pre-qualify, then get a decision in 30–60 minutes with same-day funding on approval.

  • 2-minute application
  • No credit check yet
  • No property security
How much do you need?

How much do you need?

We'll match your requested amount to the right loan structure. Takes 30 seconds — no credit check at this stage.

Please provide a valid loan amount.
Loan amount must be at least $5,000.
Please provide a valid monthly revenue.
Monthly revenue must be at least $10,000.

What is the loan for?

No credit check at this stage. Takes about 2 minutes.

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Ready to Apply Online?

Borrow $5,000 to $2,000,000 with a 30–60 minute conditional offer and same-day settlement. Complete the 2-minute application from any device.

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