Business funding
Business funding, compared on real data.
Tell us the purpose. Cashper, our comparison engine, works out the most efficient structure and compares 100+ products from 70+ lenders, so you see what you qualify for before you apply.
You don’t pay to compare.
No credit file impact · No cost to compare · No obligation
100+
Products compared, side by side
70+
Lenders, banks to private credit
$1B+
In lending reviewed in our reports
Access
To domestic and international lenders
What do you need it for?
Start with the purpose. We'll work out the product.
A lender can only offer the product it has. We compare across all of them, so the structure fits the need, not the other way round.
- Working CapitalWages, stock, the quiet months.
- Equipment or VehiclesMachinery, utes, trucks, technology.
- PropertyPremises, investment, construction.
- Unpaid InvoicesBring forward what you're owed.
- Growth or a PurchaseA contract, an acquisition, a fit-out.
- Refinancing What You HaveReplace or restructure existing debt.
Panel of 70+ lenders: banks · non-banks · fintechs · private lenders
- Business Loans$10k to $5M, secured or unsecured
- Lines of CreditDraw what you need
- Invoice FinanceUp to 90% advance on debtors
- Trade FinanceStock and supplier payments
- Equipment & LeasingMachinery, vehicles, technology
- Commercial PropertyFirst mortgages, to 30 years
- Second MortgagesRelease extra property equity
- Refinance & RestructureConsolidate existing debt
How it works
Three steps. Real, qualified options revealed.
Business funding, compared on real data, in three steps.
Every lender has its own policy, pricing and appetite. Cashper, our comparison engine, reviews them all, matches each product to your business's real performance, and shows you exactly what you qualify for, before you apply.
- Start with your funding options
- 1Share and connectTell us your funding needs and goals, then connect or share your business performance data.
- 2MatchCashper matches your business performance against real lender eligibility and policy.
- 3Compare and chooseQualified options laid out side by side, with lending specialist guidance through to settlement.
Eligibility shown on facts · Every trade-off shown · One specialist, start to settlement
- StartYour funding needs and goals
- Purpose
- Fit-out
- Amount
- $300,000
- Goal
- Open a second site
- 1 · Share and connectYour business performance profileOur tech connects to real data sources, so your matches are qualified.
- ASIC
- Xero
- PPSR
- Credit bureau
- Bank statements
- ABN
- 2 · MatchQualified matching across our lender library100+ products checked against each lender’s eligibility and policy.
- 3 · Compare and chooseAccurate choices, supported accessReal, qualified options, side by side.
- Specialist support
- Start to settlement
- Apply with the same data
- Funds, if approved
After the report
A specialist, from report to settlement.
- 1Your options, side by sideEvery offer compared. Every fact laid out.
- 2A specialist walks you through itThe trade-offs, laid out in plain English.
- 3Through to settlementApplications, negotiation, settlement. You focus on the business.
Specialist note
Lender A leads on amount, term and rate, but requires a GSA and a director's guarantee.
- Amount
- $300,000
- Term
- 24 months
- Rate
- 8.90% p.a. (16.10% APR)
- Security
- GSA over company assets · Director's guarantee
Your options, side by side
See what you qualify for.
Every option is matched against your business's actual performance and compared on security, term, amount and rate, so you see what you're eligible for, and why.
There is no overall score and no recommended badge.
- Every matched option, side by side.
- The trade-offs named: security, term, amount and rate.
- Any fee that applies to an option, before you choose.
Sample report · Term debt
Business Loan Options
| Lender | Loan amount | Term | Rate p.a. | Repayment | Security & structure |
|---|---|---|---|---|---|
| Lender A | $300,000 (leads on amount) | 24 months (leads on term) | 8.90% p.a. (leads on rate)(16.10% APR) | $14,703per month | GSA over company assets Director's guarantee |
| Lender B | $250,000 | 12 months | 13.90% p.a.(28.80% APR) | $24,224per month | GSA over company assets Director's guarantee |
| Lender C | $200,000 | 24 months (leads on term) | 10.40% p.a.(18.60% APR) | $10,043per month | GSA over company assets Director's guarantee |
| Lender D | $225,000 | 18 months | 11.90% p.a.(22.40% APR) | $14,833per month | GSA over company assets Director's guarantee |
| Lender E | $150,000 | 18 months | 12.90% p.a.(24.90% APR) | $10,071per month | GSA over company assets Director's guarantee |
| Lender F | Ineligible | - | - | - | Trading history short of lender minimum. |
SecurityTermAmountRate
We help businesses, big and small, access funding.
Tools
Work it out before you talk to anyone.
Will comparing affect my credit file?
No. There's no credit check until you choose to proceed with a lender.
How do we get paid?
Comparing costs you nothing. Not comparing can cost you plenty.
The headline rate rarely tells the whole story. Fees, charges and loan terms can add far more to what you repay. That’s why your Compare Report shows every cost we can identify side by side.
In most cases, the lender pays us, and only if you decide to proceed with their product offer. For more complex deals, or where the lender pays us little or nothing, we may charge a fee for our service. It doesn’t happen often, but when it does, it’s shown on your Compare Report and we’ll walk you through it before you decide.
No obligation to proceed, ever.
How long does it take?
You first receive a short overview that confirms your details and lists the documents we need. Your report is typically ready within 24 hours of receiving those documents.
Are you a lender?
No. Trade Funding Pty Ltd is a Credit Representative (number 568624) of QED Credit Services Pty Ltd, Australian Credit Licence 387856. We compare options across our lender panel and support you through to settlement. The lender you choose provides the funding.
Can you review funding I already have?
Yes. We compare options to replace or restructure what you have, as well as new funding.
See your options, side by side.
No credit file impact · No cost to compare · No obligation
Or talk to us: 1300 161 641 · support@tradefunding.com.au