Business Loans Today
Flexible business funding for established businesses trading 12+ months — longer terms, weekly repayments, and fast access to $50k–$150k working capital.
Business finance feels stressful for most owners — At Casey, we make it simple, fast, and crystal-clear.
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✔︎ Trusted by small business owners across Melbourne & Australia.
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Why this matters
Every lender in the market assesses your business differently. Some look at how long you’ve been trading. Others look at weekly revenue trends. Some focus on cash-flow strength, while others prefer stability over speed. Once your business reaches 12+ months trading, far more pathways open up — often with longer terms, lower weekly repayments, and flexible structures that support growth rather than pressure it.
If you’re not sure where you fit, that’s normal — most business owners aren’t. I’ll guide you quickly and clearly.
What you get
A tailored pathway that fits how your business earns and spends — without the stress of trying to match yourself to dozens of lenders with completely different rules.
Options commonly used by established businesses needing $50,000–$150,000
Weekly repayment structures available through many lenders
Longer terms to help keep repayments lower
Cash-flow friendly options with flexible early-exit pathways
Straightforward application process with clear next steps
Who this suits
This suits many established businesses across construction, trades, manufacturing, retail, logistics, and service-based industries — especially those trading 12+ months and planning for growth.
Businesses trading 12+ months
Businesses wanting $50,000–$150,000 in working capital
Businesses wanting longer terms and lower repayments
Businesses wanting a weekly repayment structure
Businesses planning for expansion, hiring, stock, or cash-flow stability
Businesses wanting a solution that fits their revenue profile
General Lender Criteria
Different lenders follow different rules — some prioritise stability, others prioritise cash-flow strength, others prioritise consistency, and others specialise in more flexible pathways.
Some lenders offer longer-term structured loans for established businesses
Some lenders specialise in weekly repayment options
Some lenders offer flexible early-exit pathways
Some lenders are comfortable with uneven revenue if turnover is strong
Some lenders prefer businesses trading 12+ months for larger amounts
Some pathways suit businesses with multiple active loans
How it works
A simple, low-stress process designed for busy business owners.
Quick chat to understand your goals
Bank-statement review to identify your strongest pathway
Match you to options suited to your revenue and cash-flow rhythm
Present the options clearly (no pressure)
You choose what feels right
Fast approval and settlement
Eligibility
Most established businesses trading 12+ months qualify for a wide range of funding pathways. If you’re under 12 months, you may still have options depending on cash flow.
ABN registered
Preferably 12+ months trading
Consistent weekly or monthly turnover
Active business bank account
Revenue sufficient to support the loan request
Use of funds
Common use cases for $50,000–$150,000 working capital:
Stock and inventory
Cash-flow stability
Materials and supplies
Equipment upgrades
Hiring and payroll
Marketing and business growth
Renovations and fit-outs
Expansion opportunities
Benefits
Designed to give you stability and flexibility — not pressure.
Lower-stress weekly repayment options
Longer terms available for 12+ month businesses
Early-exit pathways
Fast approvals when cash flow is strong
Tailored structures that fit your revenue
Clear understanding before you commit
The risk of going it alone
Every lender has different rules, and choosing the wrong one can mean higher repayments, shorter terms, or unnecessary declines. Most business owners don’t see this until after they’ve applied.
Working with someone who understands how lenders think means you’re not guessing — you get a structure that fits your business, rather than forcing your business to fit the wrong loan.
Want repayments that actually suit your business?
If you’d like options that match your cash flow, not fight against it, I can walk you through your strongest pathways — quickly, clearly, and with zero pressure.
Industry pain points we usually see
Many owners needing business loans today are managing tight cash flow, supplier deadlines, or sudden opportunities that require quick action.
Progress payment delays affecting project schedules
Supplier invoices due before customer payments arrive
Stock shortages limiting revenue opportunities
Common scenarios we usually see
Business loans today often help owners navigate time-sensitive situations without disrupting momentum.
Materials required today to start or continue a project
Staff costs due while waiting on customer payments
Urgent stock purchase to fulfil a large order
The true cost to you
Small differences in repayment structures can add up. Even an extra $400–$600 per week over 24–36 months can quietly drain tens of thousands from your cash flow — simply because the wrong structure was chosen early.
Choosing the right lender pathway helps keep repayments stable and manageable, and makes sure your cash flow is working for you, not against you.
Not sure what you qualify for?
Most business owners aren’t — and that’s completely normal. I’ll walk you through your options in minutes so you can make the best decision for your business, with clear expectations and no pressure.
Frequently asked questions
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Assessment times vary, but many pathways allow fast reviews when turnover is consistent and the business is trading 12+ months.
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Yes — many lenders offer weekly repayment structures that suit established businesses with predictable revenue cycles.
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Some pathways include flexible early-exit options. If this matters to you, I’ll prioritise those structures.
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Many established businesses secure $50,000–$150,000 depending on turnover, cash-flow strength, and trading history.
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Yes — depending on your repayment history and cash flow, some pathways may still work.
Related resources
Explore similar guides and related funding pathways that can help you compare structures, understand your options, and choose the right approach for your business.