Services > Business Loans
Business loans
Flexible Business Loans to Start or Grow Your Business
Looking for the right business loan? Prosper Loan Experts offer fast, flexible loans—secured or unsecured—to help startups, small businesses, and established companies across Sydney and Australia reach their growth goals.
Explore loan options with competitive interest rates and expert guidance.
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Why Choose Our Business Loans?
We provide tailored business loan solutions to suit your needs. Enjoy competitive interest rates, flexible loan terms, and fast approvals—whether you need an unsecured loan, a secured loan, or startup financing.
Loan amounts
$5,000 - $5 million
Secured interest rates
5% - 12%
Unsecured loan options
10% - 25%
Loan terms
6 months - 5 years
Fixed or variable rates
Fixed or Variable
Quick turnaround
1 - 3 business days
Transparent establishment fees
$100 - $1000
Flexible repayment schedules
Weekly, fortnightly, or monthly
Business Loans Offered by Prosper Loan Experts
Secured Business Loans
Use your business assets, such as property or equipment as security to access larger loan amounts with competitive interest rates. Ideal for established businesses looking to invest or expand.
Unsecured Business Loans
No collateral required, offering fast and flexible financing solutions suitable for startups or businesses without significant assets. Interest rates may be higher, but application processes are simpler.
Short-Term Business Loans
Designed for short-term cash flow needs or urgent expenses, these loans have quicker repayment terms and help businesses manage seasonal fluctuations or unexpected costs.
Startup Business Loans
Tailored financing options to support new businesses and startups, helping you get off the ground even with a limited trading history. Often includes guidance on preparing strong loan applications.
Equipment Financing
Finance the purchase of essential business equipment or vehicles with loans secured against the asset itself, spreading the cost over manageable terms.
Commercial Property Loans
Loans specifically aimed at purchasing or refinancing commercial real estate to help grow your business premises or investment portfolio.
Invoice Financing & Factoring
Improve your cash flow by borrowing against unpaid invoices, allowing you to access funds without waiting for customer payments.
Business Line of Credit
Flexible borrowing option where you draw funds as needed up to a credit limit, paying interest only on what you use. Perfect for ongoing working capital requirements.
Required Documents for Your Business Loan
To speed up your application, prepare:
Identification Documents
Passport or driver’s license.
Medicare card.
Business Financials
Bank statements (6-12 months).
Profit and Loss Statement.
Tax returns (business and personal, 2 years).
Loan Purpose
Quotes, invoices, or contracts for the loan purpose.
Collateral (if secured)
Asset details (property, equipment, etc.) and valuation documents.
Proof of Business Operations
ABN/ACN (Australia) or equivalent business registration.
GST registration certificate (if applicable).
READY TO GIVE US A TRY?
Ready to grow your business?
Our expert team is ready to guide you through every step. Contact us today to explore how we can help you secure a business loan!
No Compromise, Just Maximize.
How Getting a Business Loan Works
Initial Consultation
Discuss your needs with our Sydney business finance specialists.
Fact Find
We review your financials and tailor loan options.
Pre Approval
Gain confidence with a conditional loan approval.
Settlement
Finalise your loan and start investing in your business.
What Our Clients Say About Prosper Loan Experts
Real stories from satisfied clients who found the perfect loan solutions with our help.
George Owens
The team at Prosper made my home-buying process so much easier. They listened to my needs and found the perfect loan for my situation. Their support and guidance were invaluable every step of the way.
Max Tanner
I was overwhelmed with refinancing options, but Prosper expert took the time to explain everything clearly. They helped me secure a better rate, saving me thousands. I couldn't be happier with their service.
Shraddha Adhikari
Got right consultation and advice regarding our loan processing for business. The other best part is that it was swift and easy, got everything settled within couple days. Great service…would highly recommend.
Romina Shrestha
My husband & I were dealing directly with Bala ji for our Commercial loan. Not only did he make the process seamless & easy to understand, he also help us feel comfortable with any next steps. I would highly recommend Bala ji for anyone who is looking for home loan. Thank you once again for your amazing service.
Frequently Asked Questions
What is a business loan?
A business loan is a sum of money borrowed from a lender to help start, run, or grow a business. Businesses use these loans for various purposes, such as purchasing equipment, managing cash flow, expanding operations, or covering unexpected expenses. Business loans can be secured (backed by assets) or unsecured (no collateral required), and they usually have set repayment terms with interest.
What types of business loans does Proper Loans offer?
There are several types of business loans offered by Proper Loans, including secured business loans, unsecured business loans, short-term loans, and loans tailored for startups or small businesses. The right type depends on your business needs and financial situation.
How do I qualify for a business loan?
Eligibility varies by lender but generally includes factors like your business’s financial health, credit history, cash flow, and how long your business has been operating. Providing accurate financial documents helps improve your chances. Learn more about business loan requirements.
What documents are usually required to apply?
Typically, you’ll need proof of identity, financial statements (such as bank statements and profit and loss reports), business registration details, and information about how you intend to use the loan. Our business loans page outlines the common documents you’ll need.
How much can I borrow with a business loan?
Loan amounts can range widely—from a few thousand dollars to several million—depending on the lender and your business’s ability to repay. It’s best to discuss your needs with one of our business loan specialists.
What are typical interest rates and loan terms?
Interest rates vary depending on the loan type, lender, and your creditworthiness. Loan terms can range from a few months to several years, offering flexible repayment schedules to suit your business's cash flow. For detailed info, visit our business loans page.
How long does it take to get approved?
Approval times vary but usually range from a few days to a few weeks. Providing all required documents upfront and working with a business finance broker can speed up the process.
Should I use a mortgage or finance broker to get a business loan?
Using a broker simplifies your loan search by comparing multiple lenders for you, often securing better rates and terms. Our expert business loan brokers provide personalised advice tailored to your goals.
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We are a top-rated mortgage and finance broker in Australia, trusted by individuals and businesses for expert support in home loans, car loans, investment loans, refinancing, private lending, and more.
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Prosper Loan Experts Pty Ltd ABN: 93 676 188 211. Credit Representative #527574 is authorised under Australian Credit License #384704.
Disclaimer: Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take into account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply. The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Prosper Loan Experts Pty Ltd T/A Prosper Home Loans.
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