Business finance for sole traders & small owners
When the business is you, borrowing gets personal.
We help sole traders, one-director companies and couple-run businesses borrow for the business — one person, one conversation. And we're straight with you about the personal side: your home, your guarantee, your credit file, and where business money ends and yours begins.
- No credit check to enquire
- One specialist, never a lead list
- Business purposes only
Our promises
No credit check to enquire
Asking a question about your business costs your credit file nothing. A credit check only comes up once you've decided you want to go ahead.
One person, not a lead list
Your enquiry isn't sold or sprayed across a dozen lenders. It stays with one specialist who works out the right match for you.
A real conversation
Someone reads what you wrote and rings you to talk it through, owner to person. Honest form answers mean the first option we find is the right one.
Signature tool
Borrow personally, or through the business?
It's the question every small owner hits. Answer three quick questions and see how the two routes compare on security, guarantees and record-keeping.
The full side-by-side tool adds risk to the family home, what lenders look at, and a plain-English verdict for your situation.
The three conversations
What owners ask us across the kitchen table
Most enquiries start with one of these. Each has its own set of plain-English answers.
When the business is you
Sole traders & micro
Sole traders, one-director companies, couples and home-based owners: how lenders look at a business that is really one or two people, and how to borrow well.
- Sole trader business loans
- One-director companies
- Micro business loans
- Couple-run businesses
- Home-based businesses
Where the line sits
Personal or business?
Personal loans, credit cards, money in and out of your company, tax questions for your accountant and the tangle of personal and business debt — answered plainly.
- Personal loan for business?
- Personal cards for business
- Mixing personal and business debt
- Separate your finances first
- Is the interest deductible?
The family home question
Home & guarantees
Home equity, second mortgages, caveats, jointly owned homes and personal guarantees — what you're really agreeing to, and how to keep the family home as safe as possible.
- Home equity for business
- Personal guarantees
- Second mortgage for business
- Caveat loans on your home
- Home in joint names
One specialist from first call to settlement
How it works
One person, start to finish
- 1
Tell us the basics
About 60 seconds: what you need, what it's for, your structure and whether you own property. No credit check at this stage.
- 2
A real person calls
One specialist reads your enquiry and rings you. They'll ask about the personal side too — your home, guarantees and how money flows.
- 3
Honest options, not a lead auction
We match you to the lender that fits instead of spraying your details around. If a loan isn't the right answer, we'll say so.
- 4
Paperwork, then funding
Only once you decide to go ahead. We tell you exactly what's needed, and happily work with your accountant.
Personal vs business
Five things owners get wrong about the line between them
Myth“I’m a sole trader, so a personal loan is the same thing.”
TruthLegally you are the business, but a personal loan is consumer credit built for personal purposes. A business-purpose loan is assessed on your trading and keeps the records clean.
Myth“Setting up a company protects my house.”
TruthIt helps, but lenders usually ask small-company directors for a personal guarantee — and a guarantee can be secured by your home.
Myth“If I work from home, my home is the security.”
TruthWorking from home and pledging your home are different things. Unsecured options, typically $5k to $500k, leave the house off the documents.
Myth“It’s my company, so its money is my money.”
TruthMoney taken from a private company without the right paperwork can be treated as a dividend under Division 7A. Lenders notice it too.
Myth“If it’s secured by the house, it must be a home loan.”
TruthWhat the money is used for usually matters more than what secures it. A separate business loan keeps business debt clearly labelled. Ask your accountant about tax.
How tangled are your finances?
Eight quick questions, a score and the exact steps to untangle personal and business money before you borrow.
Take the money-mixing check →Guides
For the owner behind the business
How to pay yourself from your business (and why lenders notice)
Drawings, wages and dividends explained for small owners — and why a steady pay rhythm makes you easier to lend to.
Read the guide →
Ten questions to ask your accountant before you borrow
A practical checklist for the conversation that should happen before any business loan is signed.
Read the guide →
Leaving the business? How to get released from a personal guarantee
Guarantees outlive handshakes. How releases usually work when owners sell, retire or part ways.
Read the guide →Questions
What owners ask before they enquire
Do you offer personal loans?
No. We only arrange finance for business purposes. “Personal” is about how we work — one specialist, one to one — and about the owner's personal questions: your home, your guarantee, your credit file and keeping personal and business money apart.
Can a sole trader get a business loan?
Yes. Lenders look at your ABN trading history, business bank statements, BAS and your personal credit file together. Unsecured options typically run from $5,000 to $500,000; property-secured business loans from $20,000 to $5,000,000.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up once you've decided you want to go ahead with a specific option.
Will my details be sent to lots of lenders?
No. Your enquiry stays with one specialist who works out the right match for you. We don't sell or spray your details to a pile of lenders, so your phone won't start ringing off the hook.
Do I have to use my home as security?
No. Home equity is one option, not an assumption. Unsecured and cash-flow options for trading businesses can leave your home out entirely. If you do choose property security, we'll talk honestly about protecting the family home.
Will I need to sign a personal guarantee?
If a company or trust is borrowing, lenders usually ask the directors for a personal guarantee. Sole traders usually don't sign a separate guarantee because they're already the borrower.
Is business loan interest tax deductible?
In general, the ATO lists interest on money borrowed to produce assessable income as a business expense, and only the business portion of mixed-use costs can be claimed. Your accountant should confirm how it applies to you.
What should I have ready before I enquire?
A rough idea of the amount and purpose, your average monthly business deposits, whether you own property, and anything awkward like past credit issues or an ATO balance. Accurate answers help us match you properly first time.
More answers on our FAQ page, or ask us directly in a 60-second enquiry.
Your business, your situation, one real conversation
Tell us what you need in about 60 seconds. No credit check, no spray-and-pray — one specialist who calls you and treats it personally.
No credit check to enquire
One person, not a lead list
A real conversation