Business Loans · Sydney

Business loans from 100+ lenders, with answers in 24 hours

Small business loans, lines of credit, overdrafts, invoice finance and long-term bank loans, sourced and negotiated for you.

Get a free quote Call 0401 132 581

The right business loan, not just the first one

Every business needs funding at some point, whether to cover an urgent cash flow gap, buy equipment and stock, take on a big contract or expand into new premises. The hard part is knowing which type of loan fits, and which lender will actually say yes.

Peak Capital compares options across 100+ bank, non-bank and private lenders. We match the loan to the purpose, so you’re not paying for a long-term loan to fix a short-term problem, or tying up property when you don’t need to. Unsecured options go up to $1m, and many small business loans can be approved within 24 hours of submitting your bank statements.

Types of business finance

Small business loans

Fast, often unsecured loans approved on your bank statements, sometimes within 24 hours.

Business line of credit

Get a limit approved and draw only what you need. Usually set up within 24–48 hours.

Business overdraft

Secured or unsecured, with interest paid only on the outstanding balance.

Invoice and debtor finance

Unlock cash tied up in customer invoices, with a limit that grows with your sales.

Insurance premium funding

Spread insurance premiums over 11 months instead of paying upfront.

Bank term loans

Longer-term finance at sharper rates for established, profitable businesses.

What businesses use loans for

Urgent cash flow needs, including waiting on customers to pay
Buying equipment, stock, motor vehicles and maintenance
Refinancing debts on poor terms, or paying tax obligations
Growth through acquisition, hiring or marketing
Buying or upgrading premises, IT and online presence

A recent deal

Health & Fitness · Melbourne

$600k unsecured business loan, settled in 4 weeks

A growing gym group was ready to expand interstate without tying up property as security. We approached unsecured lenders that understand membership-based businesses and secured $600k with no property security.

How it works

Talk to us

A free 15-minute call to understand your business, your goals and your current position.

We find the structure

We assess options across 100+ bank, non-bank and private lenders and recommend the best fit.

We manage it to settlement

We prepare the application, negotiate terms and handle the lender until funds are in place.

Common questions

Do I pay for your service?

Yes. There is an engagement fee paid when you select our services, and a success fee paid on successful completion of your loan funding. We explain all fees upfront before you proceed.

How quickly can I get a business loan?

Small unsecured loans can be approved within 24 hours of submitting bank statements. Lines of credit and overdrafts are typically set up in 24–48 hours. Secured bank loans usually take 1–3 weeks.

Do I need property as security?

Not always. Unsecured business loans of up to $1m are available depending on turnover and trading history. Secured loans usually offer better rates for larger amounts.

What documents will I need?

Usually recent business bank statements, BAS and ID. Larger loans need financial statements and tax returns. We give you a checklist upfront.

Will applying affect my credit score?

We assess your options first and only submit an application once you’ve chosen a lender.

Find the right business loan

Book a free 15-minute call. No obligation, no credit check.