Business term loans

Business term loans, structured around your cash flow.

A lump sum, repaid in fixed instalments. Suits a business funding growth, stock or working capital.

You don’t pay to compare.

No credit file impact · No cost to compare · No obligation

Business term loans at a glance

Amount: $10,000 to $5,000,000
Term: 1 to 5 years, fixed repayments
Security: Unsecured options typically to $250k to $500k
Time to funds: Varies by lender
How you pay: Equal instalments of principal and interest

Indicative, and subject to lender assessment. Your options are typically ready within 24 hours of receiving your documents.

Is it right for you?

When a term loan fits, and when it doesn’t.

Often fits

A set amount for growth, stock or working capital
The same repayment every month, so it’s easy to budget
A term matched to what you’re funding
Unsecured options for smaller amounts

Usually not

Cash flow that runs in cycles, where a line of credit may fit
Equipment you want to own, where a chattel mortgage may fit

Business funding, compared on real data, in three steps.

How It Works

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.

Excerpt from a Trade Funding Compare Report. Lenders de-identified, figures a worked example. Indicative only, not an offer or approval of credit.

Business Loan Options: Matched to $3.6M annual turnover, Loan sought $300,000, 5 matched · 1 ineligible. Lenders de-identified, figures a worked example.
Lender	Loan amount	Term	Rate p.a. (simple)	Rate p.a. (APR)	Repayment	Security & structure
Lender A	$300,000 (leads on amount)	24 months (leads on term)	8.90% (leads on rate)	16.10%	$14,703per month	GSA over company assets Director's guarantee
Lender B	$250,000	12 months	13.90%	28.80%	$24,224per month	GSA over company assets Director's guarantee
Lender C	$200,000	24 months (leads on term)	10.40%	18.60%	$10,043per month	GSA over company assets Director's guarantee
Lender D	$225,000	18 months	11.90%	22.40%	$14,833per month	GSA over company assets Director's guarantee
Lender E	$150,000	18 months	12.90%	24.90%	$10,071per month	GSA over company assets Director's guarantee
Lender F	Ineligible	-	-	-	-	Trading history short of lender minimum.

Compared

Trade Funding or a single bank?

Trade Funding or a single bank
	Trade Funding	A single bank
Time to options	Options typically within 24 hours of receiving your documents	Set by one bank’s own process
Security	Unsecured options typically up to $250k to $500k	Often requires property security
Lender access	Panel of 70+ lenders compared	Single lender only
Documents	Assessment based on bank statements	Often full financials and tax returns

What it costs

How you pay, and what it costs.

Repayments: Fixed, over 1 to 5 years
Rate: Risk-adjusted to your profile; shown for each option in your report, with the APR beside it
Fees: Ongoing fees and early payout terms shown side by side, not hidden

Who qualifies

What lenders look for.

Typical criteria, and subject to lender assessment.

Trading history: At least 6 months, for most lenders
Revenue: Around $72,000 a year (about $6,000 a month), for most lenders
Newer businesses: Some non-bank lenders consider them case by case
Borrowing power: Set by your trading performance and bank cash flow

Repayment calculator

Estimate your monthly repayment.

A fixed-rate loan, repaid in equal instalments of principal and interest. The same repayment every month, so it’s easy to budget. Move the slider for an indicative repayment, total repaid and total interest.

Rates shown are simple p.a.; your report shows the APR.
Results are approximate and exclude lender fees. Not an offer of credit.

Loan amount$200,000

$10k$5M

Monthly repayment: $6,453/mo
Total repaid: $232,324
Total interest: $32,324

Illustrative only, based on a 10% p.a. indicative rate over a 3-year term. Your Compare Report shows the exact rate and term each lender offers your business.

Questions about term loans.

What are the minimum criteria to qualify?

Most lenders require at least 6 months trading history and around $72,000 a year in revenue (about $6,000 a month). Some non-bank lenders will consider newer businesses on a case-by-case basis.

Do I need to put up my house as security?

Not always. Unsecured facilities are typically available up to $250,000 to $500,000, though most lenders still ask for a director guarantee. Larger or lower-rate facilities usually need security: business assets, a general security agreement, or sometimes property.

Are there discounts for early payout?

Some lenders offer reduced interest for early payout, while others charge a fixed-fee structure regardless of payout timing. Your Compare Report shows the payout terms for each matched 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 We’re Paid →

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