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What are the requirements for a small business loan in Australia?

Small business loan requirements in Australia include: 6+ months trading history, minimum $6,000 monthly revenue, valid ABN, and 6 months of bank statements. No property security is required - loans from $10,000 to $350,000 are assessed based on business cash flow. Flexible repayment options include weekly, fortnightly, or monthly schedules over 3-24 month terms. Approval decisions are typically made within 24 hours.

No Property Security Required

Small Business Loans to Sustainable Growth

Flexible funding solutions from $10,000 to $350,000 designed for established Australian SMEs. Perfect for business expansion, equipment purchases, or strategic investments with structured repayment terms to match your cash flow.

Quick Application Process

Apply online in minutes with minimal paperwork

Flexible Terms

Choose 3-24 month terms that suit your business

Competitive Rates

Transparent pricing with no hidden fees

Small Business Loans Australia
$10K-$350K
Loan Range
3-24
Flexible Terms (months)
24 hrs
Approval Decision
100%
Transparent Fees

Flexible Small Business Loan Options

Strategic Growth

Fund long-term business development

  • Market expansion
  • Asset acquisition
  • Team development
  • Systems implementation

Equipment Finance

Upgrade or purchase new equipment

  • Machinery purchase
  • Vehicle finance
  • Technology upgrades
  • Production equipment

Business Growth

Fund your next stage of growth

  • New location setup
  • Inventory expansion
  • Staff hiring
  • System upgrades

Why Choose Velociti for Small Business Finance?

Flexible Criteria

Tailored assessment based on business performance

Structured Terms

Customized repayment schedules matching your cash flow

No Property Security

Not asset backed loans up to $350K available

Flexible Repayments

Weekly, fortnightly or monthly options

Small Business Loans vs Traditional Options

Compare the benefits of Velociti's flexible small business loans

Feature Velociti Banks
Collateral Required No Usually Yes
Approval Time 24 hours 2-6 weeks
Flexible Terms 3-24 months Fixed Terms
Application Process Online, 2 min In-person, 30+ min
Early Repayment No penalties Often penalized
Bad Credit Accepted Yes Usually No

Industries We Support

We provide tailored small business funding solutions across a wide range of Australian industries:

Retail & eCommerce

Hospitality & Tourism

Construction & Trades

Professional Services

Healthcare & Medical

Manufacturing

Transport & Logistics

Agriculture

Frequently Asked Questions

Common questions about small business loans

What is a small business loan and how does it work?
A small business loan is financing designed for Australian SMEs, ranging from $10,000 to $350,000. You receive a lump sum that's repaid over 3-24 months through fixed weekly or monthly payments. Velociti Capital offers not asset backed small business loans, meaning no property collateral is required - approval is based on your business cash flow and trading history.
How much can I borrow with a small business loan?
Velociti Capital offers small business loans from $10,000 to $350,000. The exact amount depends on your business's monthly revenue, trading history, and cash flow patterns. Most established businesses with consistent revenue can qualify for these amounts based on their cash flow performance.
What are the eligibility requirements for a small business loan?
To qualify, you need: an active Australian ABN, minimum 6 months trading history, at least $6,000 in monthly revenue, and an Australian-based business. You'll provide 6 months of bank statements for assessment. Unlike banks, we don't require property security or perfect credit history.
How long does it take to get approved for a small business loan?
Velociti Capital provides approval decisions within 2-4 hours for complete applications submitted during business hours. Once approved, loan agreements can be signed electronically, and funds are typically deposited within 24 hours, making it significantly faster than traditional bank loans.
Do I need collateral or security for a small business loan?
No, Velociti Capital's small business loans up to $350,000 are not asset backed. This means you don't need to provide property, equipment, or other assets as security. Your loan approval is based on business performance and cash flow, not physical collateral.
What can I use a small business loan for?
Small business loans can be used for virtually any business purpose including: working capital, inventory purchases, equipment upgrades, marketing campaigns, staff hiring, seasonal cash flow, business expansion, debt consolidation, or emergency expenses. The funds are unrestricted once approved.
What are typical interest rates for small business loans?
Interest rates vary based on loan amount, term length, and business risk profile. Velociti Capital provides transparent pricing with all fees disclosed upfront in your loan offer. Rates are typically higher than secured bank loans but reflect the speed, flexibility, and no-collateral nature of the product.
Can I get a small business loan with bad credit?
Yes, many businesses with imperfect credit history are approved. Velociti Capital focuses primarily on your current business performance and cash flow rather than past credit issues. While credit history is reviewed, it's not the primary factor. Strong recent trading can offset previous credit challenges.

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Application Guide

Complete step-by-step application process

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Sydney Business Loans

Local funding options for Sydney businesses

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Get Started with Small Business Funding

Ready to take your business to the next level? Apply now for small business funding from $10,000 to $350,000 with flexible terms and competitive rates.