Working capital, equipment, expansion, refinance or an unexpected gap — Probiz Finance arranges secured and unsecured business loans from $10k to $5M for Australian SMEs, matched across a 50+ lender panel in one application.
Call, WhatsApp or send the enquiry form. We work out what the funds are for, how much you actually need, and the timeframe — before any application exists.
Bank statements, ABN details and basic financials. We map your position across a 50+ lender panel — one assessment instead of shopping your file bank by bank.
Secured or unsecured, term length, security mix, full doc or low doc. Structure is where most business loan applications are won or lost.
One application to the best-fit lender. We manage conditions, valuations and documentation through to the funds landing in your business account.
Rate reviews, top-ups, equipment and expansion finance as the business scales — one finance partner across the whole journey.
"We match the lender before we lodge — a declined application costs you time and shows on your file. Getting it right is matters the most." — — Pooja Choudhary
A few concepts come up in almost every business lending conversation. Here's what they actually mean, in plain terms.
A secured loan is backed by an asset — property, equipment, or another business asset — that the lender can claim if the loan isn't repaid. Because the lender's risk is lower, secured loans can often go further and cost less. An unsecured loan doesn't require a specific asset as security, which usually means faster approval processes but typically smaller amounts and closer scrutiny of cash flow. Most businesses use a mix of both across their lending life, depending on what they're funding.
Your credit score is only one input. Lenders look at serviceability — can the business's actual cash flow comfortably cover loan repayments alongside its other obligations? That means recent bank statements, existing debt, the stability and seasonality of revenue, and sometimes the reason for the loan itself all matter more than a single credit number. A business with an imperfect credit history but strong, consistent cash flow can still be a strong lending candidate.
Low documentation lending doesn't mean no verification — it means the lender relies on alternative evidence (like BAS statements, bank transaction data, or an accountant's declaration) instead of full financial statements and tax returns. It exists because many profitable businesses, especially sole traders and newer companies, don't have two full years of financials ready. Low doc lending typically comes with its own criteria and may carry different terms than a fully-documented loan.
Business lending isn't one-size-fits-all — different lenders specialise in different industries, loan sizes, and risk profiles. A broker who works across a panel of lenders can match your specific situation to the lender most likely to say yes on good terms, rather than you approaching a single bank and hoping it fits their checklist.
Property or business assets as security — larger amounts, longer terms
Secured Business Loans →What lenders offer varies by business, trading history and security. Ranges are indicative only and subject to lender assessment.
| Loan type | Typical amounts | Security | Best suited to |
|---|---|---|---|
| Unsecured business loan | $10k–$500k | Director's guarantee | Speed — no property required |
| Secured business loan | up to $5M+ | Property or business assets | Larger amounts, longer terms |
| Low doc loan | Varies by lender | Depends on structure | Self-employed without full financials |
| Equipment / asset finance | Asset value | The asset itself | Vehicles, machinery, fit-outs |
| Line of credit / overdraft | A revolving facility for cash-flow flexibility — draw and repay as the business needs | ||
Even complex situations have solutions — tell us what the funds are for and we'll map your position against the lender panel before anything is lodged.
The client's bank said no, citing a lack of industry experience. We found a lender prepared to back the strength of the business plan and the operator behind it — 65% funded, unsecured, settled in 5 weeks.
Read complete case study →$1.3M · settled in 4 weeks
50% funded · settled in 3 weeks
$220k · 75% funded · settled in 4 weeks
Client results are individual and not a guarantee of outcomes. Details have been anonymised.
Before founding Probiz, Pooja spent years inside NAB and ANZ. Business loan applications fail on structure — the wrong product, the wrong lender, serviceability presented poorly — and she's assessed them from the lender's chair. That's the difference between hoping for approval and engineering one.
Seamless equipment finance experience with Probiz Finance - highly recommend!" As a business owner, investing in the .....
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been...
Business loans typically range from $10,000 to $5 million, depending on your business type, trading history, security and financial position. We assess your position across the lender panel before anything is lodged, so you know your realistic range up front.
No. Unsecured business loans don't require property as security — lenders rely on trading performance and a director's guarantee. If you do have property to offer, secured structures generally unlock larger amounts and longer terms.
It depends on the loan type and lender. Unsecured applications are often assessed within 24–48 hours; larger secured loans typically take 5–10 business days, driven mostly by valuations and documentation. Having your bank statements ready is the biggest factor in a fast outcome.
Typically 6–12 months of business bank statements, ABN details and identification. For larger or secured loans, lenders may also request BAS returns or financial statements. Low doc options exist for self-employed borrowers without full financials.
Often, yes. Specialist lenders on our panel consider applications from businesses with imperfect credit histories. We assess each case individually and only approach lenders whose credit policy fits your situation — a declined application shows on your file, so lender selection matters.
Yes. We regularly help businesses refinance to improve terms, release equity or consolidate multiple debts into one facility. Bring your current loan details to the strategy session and we'll tell you whether refinancing actually stacks up.
The initial strategy conversation is free with no obligation. In most cases we're paid by the lender on settlement; if a fee ever applies to your specific structure, it's disclosed in writing before you proceed.
No credit checks at this stage, no obligation. We'll come back to you within one business day with a read on how lenders would see the deal.
Either way, the right first move is a conversation, not an application. A strategy session with Pooja — no obligation, no fee.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.
