Business Loan Broker (Australia): Compare 40+ Lenders & Get Approved Faster
Last updated: 9 August 2025
By Michael Pajar, Director & Business Finance Broker, Casey Asset Finance
Compare against 40+ lenders and protect your credit file—no hard enquiry until you choose. If you’re time-poor and careful with your score, going direct to multiple lenders can backfire. A specialist business loan broker shortlists the right lenders fast, protects your credit file, and packages your deal so BDMs move it to “yes” sooner.
Why use a business loan broker?
Speed without guesswork. We triage your scenario with our behind-the-scenes lending managers and skip trial-and-error.
Credit score protection. We start with soft checks only—no hard enquiry until you’re happy to move forward.
BDM & credit access. Clean packaging, lender notes and escalation paths reduce reworks and delays.
Real choice. Business finance lenders all in one place—so you pick rate vs speed vs documentation, not just whatever one lender is selling.
When a broker is the smart move (and when going direct is fine)
Choose a broker if you want a faster approval, you’re comparing low-doc business loans, unsecured business loans, equipment finance, or a business line of credit, you’ve had a few knocks (paid defaults, ATO plan), or you simply don’t want multiple enquiries on your file.
Go direct if you already have a business banker, clean business profile at the bank, and you’re happy with the rate and terms, your been offered.
But, if your bank said no? Don’t get funding alone. It’s best to have a specialist find the best option tailored for your business.
How we get faster approvals (our 8-step triage workflow)
Online enquiry form (just your contact details and what you need).
10–30 minute call. To discuss your goals, business, amount, timing, and any red flags (overdrawn days, dishonours, defaults).
Light docs to start. Driver’s licence + read-only bank statements. Depending on your credit report and bank account conduct we’ll tell you what we need to get an approval.
Policy match. We filter your scenario against lender rules: turnover bands, ABN age, industry risk, security, credit history, tax position, and more.
Recommend the best lender(s) for your specific circumstances and goals.
One hard enquiry only—and only with your consent. Once we have chosen the right lender.
Submission with often BDM support → fast follow-ups → settlement.
Many low-doc/unsecured deals settle the same day to 72 hours once docs are signed.
See your options (30 seconds) – no hard enquiry
Prefer to talk? Call Michael: 0450 622 115
Protecting your credit score (and still moving quickly)
Eligibility checks first. We verify fit without damaging your file.
No “spray and pray.” We never submit your application to a bunch of lenders hoping one sticks.
One hard enquiry only—on the lender most likely to approve, once you give the green light.
What we’ll never do: push you into a product you don’t need, hide fees, or lodge hard enquiries without clear permission.
Funding options we place (and when each wins)
Unsecured business loans – working capital, jobs in pipeline, stock, marketing. Minimal docs; fastest decisions.
Secured term loans (often property-backed) – longer terms and sharper rates when price matters more than speed.
Equipment finance – vehicles, machinery, plant. Often low-doc when the asset is standard and statements are strong.
Business line of credit – revolving access for flexible drawdowns; useful for uneven cash flow.
Who we’re best for
Time-poor owners in construction, trades, and manufacturing who value clarity, speed, and credit protection—and want options from across the market, not just one lender.
With that said, if you’ve tried everything and still need a solution, regardless of your industry, give us a call. We can help with complex situations too.
Australia-wide coverage
We help businesses nationwide: Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra, Hobart, Darwin—and major regional centres.
Common searches we help: business loan broker Melbourne, Sydney, Brisbane, Perth, Adelaide.
Eligibility snapshot (typical)
ABN age: 6–12 months+ is ideal (start-up options exist).
Turnover: workable paths from ~$10k/month; more options at $30k+ and $60k+.
Credit: clean is best. Paid defaults or an ATO plan can still be workable with the right lender.
Docs: for low-doc business loans, usually ID + bank statements; larger amounts may require BAS/financials or security.
Get options for your scenario – no hard enquiry
Prefer to talk? Call Michael: 0450 622 115
Costs, transparency… and cost of waiting
Most lenders pay the broker—distribution is priced into their model. If a client-paid fee is ever needed for complex work, we’ll tell you upfront so you can decide.
The cost of waiting (worked example):
Lost margin from delayed jobs and late supplier terms: $36,000/year ≈ $3,000/month.
A short-term facility to bridge the gap: $1,500/month (example only).
Contrast ratio: 3,000 ÷ 1,500 = 2:1 → solving the cash-flow issue returns 2x the cost of the solution while protecting your credit file.
Real-world snapshots (what usually gets approved fast)
Premium restaurant (VIC) — $150k asset finance, vendor quote + strong statements → same-day approval on a low-doc path. No director credit check.
Adult retailer (NSW) — $150k business line of credit, no financials, no property required → 24-hour approval, one hard enquiry only.
Maintenance service (QLD) — $100 unsecured business loan, helped before they took a Cap loan → rate offered 22.5% pa vs lender they applied with directly — 60% pa.
Check eligibility (30 seconds) – 100% free. No impact on your credit score.
Prefer to talk? Call Michael: 0450 622 115
What to prepare (5-minute checklist)
Driver’s licence
ABN & entity details
Debt balances
Tax position details
FAQs
Will using a broker hurt my credit score?
No. We pay for and do soft check on you first. 100% free and no impact on your credit score. We only lodge a hard enquiry once you’re happy to move forward.
Are brokers more expensive than going direct?
Generally no. Lenders build broker distribution into their pricing. If an upfront client-paid fee ever applies, you’ll know before you decide. Many clients apply directly and take on expensive loan products. Having specialists on your side means you’re protected from that.
How fast can I be approved?
Low-doc and many unsecured requests can be approved same day–72 hours. Larger or secured loans depend on valuation and documents.
Do you work with banks or just fintechs?
We highly recommend that if you qualify for your bank, enquire directly with your dedicated business banker. While getting approved is tougher and timeframes longer, their terms will always be sharper. We specialise in providing alternative financing like non-banks or fintechs. We recommend the best fit for speed, price, and documentation, when banks can’t help.
Can you help if I’ve had credit issues or an ATO plan?
Often, yes. We route to lenders open to paid defaults, ATO arrangements, existing DPNs, or thin files, while minimising enquiries.
Important information: The above is general information, not financial advice. Approvals, timing and pricing depend on lender criteria and your documents. We use quotation/scorecard checks where available and only submit a hard enquiry with your consent. Please speak to your accountant or dedicated finance professional before taking on credit.
Ready to move quickly—without hurting your credit?
Check eligibility (30 seconds) – 100% free. No impact on your credit score.
Prefer to talk? Call Michael: 0450 622 115
