Business Loans Sydney
Unsecured Business Loans · Equipment Finance · Lines of Credit · Invoice Finance · Commercial Property
Business Finance Solutions from SB Finance
SB Finance is a specialist business loan broker helping Sydney businesses — from Hills District startups to Western Sydney manufacturers — access the right finance quickly and at competitive rates. We compare 40+ lenders including the major banks, tier-two lenders, and specialist non-bank lenders to find the best solution for your business needs.
Whether you need fast working capital, equipment finance for a new machine, or a commercial property loan to buy your premises — our expert brokers manage the entire process for you, from application to settlement. Our service is free — we’re paid by the lender.
Business Finance Products We Arrange
Unsecured Business Loans
Fast cash flow finance up to $500,000 with no asset security. Approvals in as little as 24 hours. Ideal for stock, payroll, marketing or expansion.
Equipment Finance
Finance trucks, machinery, plant and equipment via chattel mortgage, finance lease, or hire purchase. Tax-efficient structures for business assets.
Line of Credit
Flexible revolving credit facility for managing cash flow. Draw funds when needed, repay when cash flows — only pay interest on what you use.
Invoice Finance
Unlock up to 85% of your outstanding invoice value immediately. Ideal for businesses with B2B clients on 30–90 day payment terms.
Commercial Property Loans
Purchase or refinance office, industrial, or retail premises. Includes SMSF commercial property loans for business owners who want to own their own premises.
Secured Business Loans
Use property or business assets as security to access larger amounts at lower rates. Ideal for major growth investments or large asset purchases.
What Documents Do You Need?
For unsecured business loans under $150,000, most lenders require minimal documentation: an active ABN of 12+ months, last 3–6 months of business bank statements, and basic business information. For larger amounts or secured loans, you’ll typically need recent financial statements, tax returns, and a brief business overview.
Ready to Get Started?
Our team compares 40+ lenders to find the best rate for your situation — free of charge.
Frequently Asked Questions — Business Loans
How much can my business borrow?
Unsecured loans typically go up to $500,000 for established businesses. Secured loans against property can be significantly larger. Your borrowing capacity depends on your revenue, time in business, credit history, and the type of loan.
How quickly can a business loan be approved?
Unsecured business loans can be approved in as little as 24 hours. Equipment finance typically takes 1–3 business days. Secured loans and commercial property finance can take 2–4 weeks.
Can a self-employed person get a business loan?
Yes — we specialise in self-employed and small business finance. We have access to lenders who assess business cash flow rather than requiring traditional income documentation.
What is a chattel mortgage?
A chattel mortgage is used to finance business vehicles and equipment. The business owns the asset from day one and the loan is secured against it. Interest and depreciation are generally tax-deductible, making it the most popular choice for business assets.
Is SB Finance’s broker service free?
Yes — we are paid a commission by the lender when your loan settles. There is no broker fee charged to you for our business finance service.
