Personal
& Business loans
How does it work?
Loans that fit real life — from family goals to business growth.
Sometimes it’s not about buying a house or financing a car — it’s about having the funds on hand to make things happen. Whether you’re consolidating debt, funding a renovation, covering medical expenses, or giving your business a boost, we’ll match you with the right personal or business loan.
Any information on this website is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider whether the information is appropriate to your circumstances before making any decisions. We recommend obtaining independent legal, financial, and tax advice where necessary.
the specifics
What We Can Help With
Personal Loans
Debt consolidation
Renovations & home improvements
Travel & major life events
Education expenses
Medical or unexpected costs
Business Loans
Working capital & cash flow support
Start-up or expansion funding
Marketing, staff, or inventory
Fit-outs & refurbishments
Bridging seasonal income gaps
Why Choose This Type of Finance?
Flexibility — fixed or variable terms, secured or unsecured options.
Clarity — consolidate multiple debts into one simple repayment.
Access — get funds faster than through traditional property-backed lending.
Choice — banks, non-banks, and fintech lenders all compared.
Listen first — understand your needs and repayment comfort zone.
Compare widely — not just the big banks, but specialists and online lenders.
Structure smartly — recommend the loan type that makes the most sense (secured, unsecured, line of credit).
Support ongoing — check in to make sure it’s still the right fit
Our Approach
Initial chat — what the funds are for, how much, and timeframe.
Docs ready — ID, income (and business financials if relevant).
Lender matching — shortlist options with clear pros/cons.
Approval & funding — often in days, not weeks.
Milestone Snapshot
From consolidating debt to backing your business
the right loan can make life easier. Let’s find the one that fits you.
What’s the difference between a personal loan and a business loan?
A personal loan is usually in your own name and used for things like a car, renovation, or holiday. A business loan is taken out under an ABN or company name and is designed to fund equipment, vehicles, stock, or cash flow. I’ll help you decide which option fits best for your situation.
- Can I get a business loan if I’m a sole trader or self-employed?
Yes — many lenders support ABN holders, including sole traders and small business owners. The key is showing how you earn income and what the loan will be used for. I’ll help you present your figures clearly so the lender can see the full story.
- What can I use a personal or business loan for?
Common uses include vehicles, tools, business equipment, renovations, debt consolidation, or investing in growth. The important thing is matching the loan type to your goals — we’ll make sure it’s structured properly and responsibly.
- How long does approval take?
It depends on the lender and how complex your application is. Personal loans can sometimes be approved in a few days, while business loans can take a little longer if financials are required. I’ll keep you updated at every step so you know what to expect.
- Do personal or business loans have higher interest rates than home loans?
Usually yes, because they’re unsecured or shorter-term. That said, lenders often review rates based on your credit profile and loan purpose. I’ll compare options for you and explain how to keep costs manageable.