Business Loans for Growing Businesses
When you need to grow the business but the bank said no, and you don’t know where to start.
CASEY is a business-only finance specialist dedicated to support small business.
100% free • No credit score impact • No obligation
🏆 Lenders’ Choice Broker of the Year Finalist (Optimise 2025)
Why this matters
When your business starts to grow, you often need to spend more on stock, staff, and capacity before the extra revenue fully lands. Some lenders understand this growth pattern, while others assess you as if nothing is changing.
If your business is growing but cash feels tight, it can be confusing to know which lenders genuinely support that growth. I’ll help you navigate the options so your funding structure supports momentum, not slows it down.
What you get
A funding pathway aligned to how your business is growing — not just where it started — without you having to decode dozens of different lender rules.
Options commonly used by growing businesses needing $50,000–$150,000
Weekly repayment structures available through many lenders
Longer terms that can support steady, sustainable growth
Cash-flow friendly options that consider growth trends, not just today
Straightforward application process with clear, simple next steps
Who this suits
This suits businesses that are outgrowing their current capacity, workload, or stock levels and need support to keep up with demand.
Businesses trading 12+ months with clear growth trends
Businesses needing $50,000–$150,000 to support growing demand
Businesses hiring more staff as workload increases
Businesses increasing stock, materials, or production capacity
Businesses wanting weekly repayments that match ongoing growth
Businesses wanting a solution that adapts as revenue grows
General Lender Criteria
Lenders view growing businesses differently — some are comfortable backing growth, while others want to see more stability before increasing exposure.
Some lenders consider recent growth trends in bank statements
Some lenders prefer stable turnover over at least 12 months
Some lenders may accept uneven revenue if overall growth is strong
Some lenders offer higher limits when growth is consistent
Some lenders prefer clear separation of business and personal banking
Some pathways suit businesses with existing facilities already in place
How it works
A simple, low-stress process that connects your current position with your next stage of growth.
Quick chat to understand how your business is growing
Bank-statement review to identify growth patterns and strength
Match you to options aligned with that growth trajectory
Present the structures clearly with no pressure or jargon
You choose what best supports your next stage of growth
Fast approval and settlement for eligible scenarios
Eligibility
Many growing businesses qualify for multiple pathways once there is enough history and revenue to support an increased level of commitments.
ABN registered
Preferably 12+ months trading
Consistent or growing weekly or monthly turnover
Active business bank account with regular trading activity
Revenue and cash flow sufficient to support higher repayments
Use of funds
Common ways growing businesses use $50,000–$150,000 working capital:
Buying more stock to keep pace with demand
Hiring staff to handle increased workload or hours
Investing in equipment to improve capacity or efficiency
Covering additional vehicles or tools for new jobs
Boosting marketing to lock in and extend growth
Upgrading systems, software, or processes to scale properly
Benefits
Designed to support your growth without forcing you into a structure that adds unnecessary stress.
Weekly repayment options to suit ongoing revenue
Longer terms available for established growing businesses
Potential flexibility to refinance once growth stabilises
Fast approvals where growth and cash flow are strong
Structures aligned with the way your business is evolving
Clear understanding of commitments before you proceed
The risk of going it alone
Applying to the wrong lender when your business is growing can lead to declines, lower limits, or structures that limit your ability to scale. Many owners underestimate how growth looks from a lender’s perspective.
Working with someone who understands both growth and lender behaviour means you can choose a funding pathway that supports your momentum, instead of unintentionally slowing it or putting pressure on future cash flow.
Want funding that grows with your business?
If you’d like your loan structure to support your growth instead of restricting it, CASEY can walk you through your strongest pathways — quickly, clearly, and with zero pressure.
Industry pain points we usually see
Growth pressure looks different in every industry, but the feeling of being “stretched thin” is the same.
Trades juggling more jobs than current staff and vehicles can handle
Manufacturers struggling to increase production without fresh investment
Retailers running out of stock or floor space as demand increases
Service businesses turning away work because capacity is maxed out
Common scenarios we usually see
Real-world situations where growing businesses often look for funding:
You are consistently booked out weeks in advance and need more staff or equipment
Your stock sells out quickly and you need to buy larger quantities upfront
You are getting more referrals than your current systems can handle
The true cost
Trying to grow while guessing which loan structure is best can lead to overcommitting, underfunding, or delaying growth altogether — simply because the options feel confusing and overwhelming.
Choosing a pathway that is aligned with your growth stage helps you move forward with clarity, instead of sitting in “wait and see” mode while demand — and opportunity — pass you by.
Not sure which loan suits your growing business?
Most business owners aren’t — especially when things start to move quickly. I’ll walk you through your options in minutes so you can choose a structure that genuinely supports your growth plans.
Frequently asked questions
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Some lenders can be comfortable with uneven cash flow if overall revenue and growth trends are strong.
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Some pathways consider recent bank-statement trends heavily, while others focus more on longer-term averages.
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In some cases you may be able to top up or refinance once performance and commitments are reviewed.
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Yes, there are pathways that can work alongside existing facilities, depending on overall affordability.
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Some lenders may request simple projections, but many mainly rely on actual bank-statement history and turnover.
Related resources
Explore related funding options that can support both your day-to-day cash flow and specific growth projects.