Business finance, handled person to person

Who we help

Most of the people we speak with run small businesses where the line between owner and business is thin: sole traders, one-director companies, husband-and-wife partnerships, family companies, home-based businesses and owners building something on the side of a day job. When businesses like these borrow, the questions are rarely just about the loan. They're about the family home, a personal guarantee, a credit card that quietly became the business's overdraft, or whether the company's money and the household's money have drifted together.

That's the ground we cover. We arrange business-purpose finance — $20,000 to $5,000,000 with property security, and unsecured, cash-flow and line-of-credit options typically from $5,000 to $500,000 for trading businesses — and we talk honestly about the personal side of every decision.

What "personal" means here

"Personal" is about how we work and whose situation we're looking at. It is not about personal loans. We arrange finance for business purposes only, and we won't structure a business loan for personal spending. If part of what you need is genuinely personal, we'll tell you so and suggest you keep it separate.

What it does mean:

• One specialist, one conversation. Your enquiry is read by a person who calls you and stays with it.
• Your whole position, not just the business's. We ask about your home, your guarantees and how money flows between you and the business, because lenders will.
• Straight answers on risk. If using the home isn't wise, or a loan won't fix the underlying problem, we'll say so.
• Room for your accountant. We're not tax advisers, and we're happy to work alongside the person who is.

The promises we make

We say these plainly because they matter: there's no credit check when you first enquire; your details aren't sprayed across a pile of lenders; and a real person looks at your situation and calls you. In return, we ask one thing — please fill in the form accurately. Honest figures on turnover, the amount, what it's for and what you own are what let us find the right match the first time.

How we approach a loan

We start with the purpose, then the smallest sensible amount, then the least risky structure that fits. Past credit issues and ATO debt are considered case by case. Property security is an option, never an assumption. And every loan should come with a way out that you understand before you sign. You can read more in how it works, or try the personal or business comparison tool first.

Who we are

Personal Business Loans is operated by Company Cash Pty Ltd (ACN 673 762 297), trading as Personal Business Loans. Our office is at Level 15, 28 Freshwater Place, Southbank VIC 3006. You can reach us on 03 8538 1729 during business hours, or start a 60-second enquiry and a specialist will call you.