Australia-Wide Business Loans for SMEs & Business Owners
Fast, flexible business finance across Australia for growth, cash flow, equipment, staffing, expansion and new ventures.
Tigris Finance is a finance broker, not a lender. Tigris Finance is a trading name of Hogan Capital Pty Ltd (ACN 357 188 570), an Authorised Credit Representative (ACR #578754) of Fintelligence Pty Ltd (ABN 80 625 017 174), which holds Australian Credit Licence #511803.
The service costs you nothing. Tigris Finance is paid a commission by the lender that funds your loan, disclosed to you in writing before you sign. Quotes and pre-approvals use a soft credit enquiry, so your credit score is not affected.
Need funding to grow your business, improve cash flow, purchase equipment, hire staff, expand operations or launch a new venture? Tigris Finance helps Australian SMEs, sole traders, self-employed professionals and business owners access tailored business loan solutions from a panel of 74+ lenders.
Talk to Wade today. Call 07 2139 4073, or send your scenario through the form on this page.
A business loan is finance obtained in the name of your business, whether you are a sole trader, partnership, company or trust. Unlike traditional lending that focuses heavily on personal income, business loans are assessed primarily on your business's capacity to generate revenue and repay the debt.
Tigris Finance brokers business loans through a network of more than 74 lenders, including Australia's major banks, second-tier lenders, specialist non-bank financiers and short-term cash flow providers. Businesses use that funding for working capital, expansion, equipment and vehicles, inventory and stock, marketing, commercial fit-outs, hiring, debt consolidation and startup capital.
Secured, unsecured or a line of credit: which structure fits
Choosing the structure is most of the decision, and it is the part most business owners are left to work out alone. Here is how the main options compare. Amounts and terms are indicative only: the lender sets them against your circumstances.
| Structure | What it is | Security | Typical term | Best when |
|---|---|---|---|---|
| Unsecured business loan | A lump sum repaid on a fixed schedule, assessed on business cash flow. | None over assets, a director's guarantee is standard | 3 to 24 months | You need speed and you do not want to tie up property. |
| Secured business loan | The same lump sum, priced against property or business assets. | Property or business assets | 1 to 5 years, longer if property backed | You want the lowest available rate and can offer security. |
| Business line of credit | A limit you draw down and repay as needed, interest on what you use. | Secured or unsecured | Revolving, reviewed annually | Cash flow is lumpy and you want funds on standby. |
| Term loan | Longer-dated funding for a defined project or purchase. | Usually secured | 1 to 5 years | You are funding one clear investment with a known payback. |
| Invoice finance | Advance against unpaid customer invoices. | The invoice ledger itself | Rolling, per invoice | Customers pay on 30 to 90 day terms and wages will not wait. |
| Trade finance | Funding to pay suppliers ahead of the sale, often for imports. | Goods, ledger or guarantee | Per trade cycle | You must pay suppliers before your customers pay you. |
| Working capital loan | Short-term funding for day-to-day operating costs. | Usually unsecured | 3 to 18 months | You are bridging a known, temporary gap. |
| Startup funding | Lending for a business without a long trading history. | Guarantor or security usually required | Varies | The plan is solid but the ABN is young. |
If the funding is for equipment or vehicles, asset finance or a chattel mortgage usually beats an unsecured business loan on rate and term. If it is property backed, look at commercial loans.
What lenders look at, and what moves your rate
No two lenders on the panel weigh these the same way, which is the whole reason a broker exists. Every lender will want to understand:
Young ABNs and self-employed income are the scenarios Tigris Finance is built for. ABN under two years, a contractor with variable income, a trust or company structure a bank could not read: those are the files that get declined by a single lender and approved by the right one. Tigris Finance knows which lenders on the panel price them properly, and a soft enquiry establishes that without touching your credit score.
What using a broker costs you
Nothing. Tigris Finance is remunerated by the lender that funds your loan, not by you. There is no cost to obtain a quote, no cost for the pre-approval, and no obligation to proceed at any point. If you walk away after seeing the numbers, you owe nothing.
Commission arrangements are disclosed to you in writing before you sign anything, as required under the credit licence Tigris Finance operates under. On top of that sits the lowest rate guarantee: find a better rate on the same product and Tigris Finance will match it or refund the difference.
From enquiry to settlement
- Send the scenario. A 2 minute application, or a phone call if you would rather talk it through.
- Soft credit check only. Your credit score is not affected while options are being explored.
- Options back, usually inside the hour. Structures and indicative pricing from the lenders that actually fit the file, in business hours.
- Choose, then formal application. Wade prepares and submits it to the chosen lender, with the supporting documents that lender wants.
- Approval and settlement. Same day to 72 hours is realistic for unsecured lending under $150,000. Bank facilities and property-secured deals run one to four weeks.
The full five-step process, including what is needed from you at each stage, is set out on the how it works page.
One application, 74+ lenders, no credit score impact
Business loan solutions Australia-wide
Tigris Finance assists businesses throughout Australia, including Brisbane, Gold Coast, Sunshine Coast, Sydney, Melbourne, Adelaide, Perth, Canberra, Hobart, Darwin and regional areas, by phone, email and online appointment. Get in touch or send your scenario and Wade will come back with lender options.
Common uses for business loans
Working capital
Cover wages, supplier invoices, GST, BAS, rent, utilities and the day-to-day cost of running. Smooth out seasonal cashflow gaps without dipping into personal funds.
Expansion & growth
Fund a new location, additional staff, marketing campaign, new equipment line, or product launch. Treat capital as a tool, not a constraint.
Equipment & vehicles
Often financed under asset finance rather than an unsecured business loan, but we'll structure it whichever way costs you less.
Inventory & stock
Trade finance, inventory finance, and seasonal stock-up facilities for retailers, wholesalers and distributors.
Startup capital
Funding for new businesses with a clear plan and a guarantor or asset to secure against. Harder than mature SME lending, but possible.
Tax debt & ATO arrangements
Specialist lenders refinance ATO debt where the mainstream banks won't. We know who plays in this space and who doesn't.
Business Loans FAQs
How much can my business borrow?
Unsecured business loans typically range from $5,000 to $500,000 depending on lender, time in business, turnover and credit profile. Secured business lending (with property or assets as security) can go much higher. Tigris Finance can give you a realistic ceiling in the first conversation.
Does applying for a business loan affect my credit score?
No. Tigris Finance runs a soft enquiry to quote and pre-approve, which leaves no mark on your credit file. A hard enquiry is only lodged once you have chosen a lender and asked Tigris Finance to submit the formal application.
What does it cost me to use a broker?
Nothing. Tigris Finance is paid a commission by the lender that funds the loan, not by you, and those arrangements are disclosed to you in writing before you sign. The quote, the pre-approval and the advice carry no cost and no obligation.
Can I get a business loan if my ABN is under two years old?
Yes. A young ABN narrows the panel rather than ending the conversation, and it is one of the scenarios Tigris Finance specialises in. Expect the lender to look harder at turnover consistency, the director's credit file and whether security or a guarantor is available.
Do I need to provide financials for a business loan?
Not always. For loans under $250,000, many lenders accept three months of business bank statements as the primary income proof. Larger loans, longer terms or property-secured deals usually require BAS, tax returns and management accounts. Tigris Finance will tell you which documents the chosen lender wants before you gather anything.
Are business loan repayments tax deductible?
Interest on a business loan is generally tax deductible, but the principal repayment is not. Always check with your accountant for your specific structure (sole trader vs company vs trust).
Can I get a business loan with bad credit?
Yes, through specialist business lenders who price credit-impaired scenarios properly. The rate will be higher than prime, but the deal is available, and Tigris Finance will be upfront with you about what to expect before you apply.
How fast can a business loan settle?
Same-day to 72-hour settlement is realistic for unsecured business loans under $150,000 from non-bank lenders. Bank facilities, property-secured deals and larger commercial structures take 1 to 4 weeks.
Lending criteria and indicative figures are current as at August 2026 and are reviewed monthly. They are general information, not credit advice for your circumstances.
Related services
Where business loans isn't quite the right fit, one of these probably is:
Get your business loans options back, usually inside the hour.
A 2 minute application and a soft credit enquiry only, so your credit score is not affected. Wade Hogan compares the panel and comes back with the structures that actually fit. No cost, no obligation, walk away any time.
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