Do I need full financial statements to apply for commercial finance?

Not always. Some commercial finance products require full financial statements, while others may allow eligible businesses to apply using alternative documentation. Full doc applications may require documents such as profit and loss statements, balance sheets, tax returns or business financials. Low doc options may allow some businesses to use documents such as recent business bank statements, BAS statements or an accountant declaration instead. The documentation required will depend on the lender, loan amount, business structure, trading history and type of finance being applied for.

Commercial Finance and Business Loans Australia

Brokered Commercial Finance and Lending Solutions

Access business funding solutions designed to help manage cash flow, support growth and unlock new opportunities.

Whether you're expanding your operations, managing seasonal fluctuations, hiring staff or investing in inventory, commercial finance can help your business access the capital it needs without disrupting day-to-day cash flow.

Ausloans helps Australian businesses compare commercial finance solutions from more than 70 lenders through one simple application. From unsecured business loans and low doc funding through to working capital and cash flow solutions, our team helps match your business with lenders that suit your circumstances, goals and stage of growth.

Commercial Finance at a Glance

Funding solutions for business growth, working capital and operational expenses
Options available for sole traders, ABN holders, SMEs and established businesses
Compare commercial finance options from 70+ Australian lenders
Low doc pathways available with selected lenders
Fast application process and tailored broker support
One application to compare multiple lender options

Ready to explore your options?

Compare commercial finance solutions with Ausloans today.

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What is Commercial Finance?

Commercial finance is a broad category of funding designed to help businesses access capital for growth, cash flow management, operational expenses and strategic investment opportunities.

Unlike personal loans, commercial finance is assessed using business-related factors such as trading history, revenue, industry type, cash flow performance and repayment capacity. Funding can be used across a wide range of business purposes, allowing owners to invest in opportunities without placing unnecessary pressure on working capital.

Businesses use commercial finance at every stage of their journey. A sole trader may use funding to manage short-term cash flow requirements during a quiet period, while an established company may access finance to expand operations, increase inventory levels or fund a growth initiative.

One of the biggest advantages of commercial finance is flexibility. Depending on the funding solution, businesses may be able to access capital without providing property security, while some products offer low-documentation pathways for eligible self-employed applicants and business owners.

At Ausloans, we help businesses compare a range of commercial finance solutions to identify options that align with their funding requirements, business profile and long-term objectives.

Commercial finance can be used for:

Working capital and cash flow management
Business expansion and growth projects
Inventory and stock purchases
Marketing and customer acquisition
Recruitment and staffing costs
Seasonal funding requirements
Business acquisitions
Operational expenses and general business needs

Commercial Finance by Loan Type

Commercial finance is not a one-size-fits-all solution. Different funding structures are designed to solve different business challenges, from managing short-term cash flow gaps to funding major growth initiatives.

Understanding the available options can help you choose a solution that aligns with your business goals, cash flow position and repayment preferences.

Find out more about the business finance solutions available from Ausloans:

Business Loans

Business loans are a form of commercial finance that can be used for a wide range of business purposes, including expansion, inventory purchases and working capital.

Unsecured Business Loans

Unsecured business loans are a form of business funding that does not require property or business assets to be offered as security.

Low Doc Business Loans

Low doc business loans are designed for eligible business owners who may have limited financial documentation available at the time of application.

Cash Flow Loans

Cash flow loans are designed to help businesses manage short-term cash flow pressures and maintain day-to-day operations.

Loan Type

Best for

Security required?

Typical use

Business Loans

Growth

Sometimes

Expansion

Unsecured Business Loans

Fast funding

Not required

General business use

Low Doc Loans

Alternative documentation

Varies

Self-employed business

Cash Flow Loans

Working capital

Usually no

Short-term funding

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Brokered finance solutions with one single application.

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Sole Traders

Commercial finance may suit sole traders looking to manage cash flow, invest in growth opportunities, purchase inventory or cover operational expenses. Depending on the lender and funding type, options may be available for both established and newer ABN holders.

Small Businesses

Many small businesses use commercial finance to support working capital requirements, manage seasonal fluctuations or fund day-to-day business operations. Funding may also be used to support growth initiatives without placing unnecessary pressure on cash reserves.

Growing Businesses

Businesses experiencing growth often require additional capital to increase inventory levels, expand their workforce, invest in marketing or improve operational capacity. Commercial finance can provide access to funding that supports these growth objectives.

Established Businesses

Established businesses may use commercial finance to fund larger strategic initiatives, strengthen cash flow, support expansion projects or invest in new opportunities. Depending on the funding structure, businesses may have access to both secured and unsecured finance options.

Self-Employed Professionals

Self-employed applicants, consultants and professional service providers may use commercial finance to support business growth, manage cash flow or invest in equipment, technology and operational improvements. Low doc options may be available through selected lenders for eligible applicants.

Seasonal Businesses

Businesses operating in seasonal industries often experience fluctuations in revenue throughout the year. Commercial finance can help manage working capital requirements during quieter periods while allowing businesses to prepare for peak trading seasons.

Why Businesses Use Commercial Finance

Businesses use commercial finance for a wide range of reasons, from managing short-term cash flow requirements to funding long-term growth initiatives. The right funding solution can help a business take advantage of opportunities, maintain operational stability and invest in future growth without placing excessive pressure on existing cash reserves.

While every business has different objectives, there are several common reasons businesses choose to explore commercial finance solutions.

Managing Working Capital

Working capital is essential for the day-to-day operation of any business. Commercial finance can help businesses maintain healthy cash flow by providing access to funds that support ongoing operational expenses, inventory purchases, supplier payments and other short-term business requirements.

Supporting Business Growth

Growth often requires investment before additional revenue is generated. Businesses may use commercial finance to expand operations, enter new markets, increase production capacity or launch new products and services. Access to funding can help businesses pursue growth opportunities without disrupting cash flow.

Managing Seasonal Fluctuations

Many industries experience periods of higher and lower demand throughout the year. Seasonal businesses may use commercial finance to cover expenses during quieter periods, prepare for peak trading seasons or purchase inventory ahead of increased customer demand.

Purchasing Inventory Or Stock

Maintaining sufficient inventory is important for many businesses, particularly retailers, wholesalers and distributors. Commercial finance can help businesses secure stock when needed, take advantage of supplier opportunities or prepare for periods of increased demand.

Hiring And Expanding Teams

As businesses grow, additional staff may be required to support operations and customer demand. Commercial finance may be used to assist with recruitment, onboarding, training and other workforce-related expenses associated with business expansion.

Investing In Marketing And Customer Acquisition

Many businesses use commercial finance to support marketing initiatives designed to generate future revenue. Funding may be used for advertising campaigns, digital marketing, branding projects, website improvements or customer acquisition strategies.

Covering Unexpected Expenses

Unexpected costs can arise in any business. Whether responding to equipment failures, supply chain disruptions, emergency repairs or unforeseen operational expenses, commercial finance can provide businesses with access to capital when it is needed most.

Strengthening Cash Flow Stability

Delayed customer payments, changing market conditions and fluctuating revenue can all impact business cash flow. Commercial finance can help businesses maintain operational stability while waiting for receivables, managing growth or navigating temporary cash flow challenges.

How Commercial Finance Works with Ausloans

A quick step-by-step guide what you can expect when applying for business finance with Ausloans.

Tell us about your business and funding goals
Share available documentation
Compare suitable lender options^
Choose a funding structure
Receive funding

*Your credit is not impacted until you proceed with a formal application upon choosing a lender.

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Commercial Loan Rates Comparison Table

Commercial finance rates can vary significantly depending on the funding structure, security offered, business trading history, loan amount and lender requirements. The rates shown below are based on secured business finance products and represent indicative "from" rates only. Businesses seeking unsecured funding should generally expect higher interest rates, as no property or business assets are provided as security. Actual rates will depend on the individual business profile and lending assessment.

Lender

Loan Amount

Loan Term

Interest Rate (FROM)

Comparison Rate^

Get My Rate

Commbank

$10k - $500k

1-7 years

7.29%

9.89%

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BOQ

$20k - $500k

2-7 years

7.50%

10.10%

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Prospa

$5k - $500k

1-3 years

15.99%

18.71%

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Moula

$15k - $500k

1-5 years

15.99%

18.71%

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Dynamoney

$10k - $500k

1-3 years

14.90%

17.61%

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Banjo

$20k - $2M

1-5 years

9.90%

12.53%

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Finance One

$8k - $200k

1-7 years

11.45%

14.40%

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Compare 70 Lenders

— one simple application.

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Why Choose Ausloans for Business Finance?

When it comes to business equipment financing, the right partner can make all the difference. At Ausloans, we go beyond comparison — offering tailored finance support, responsive service, and access to asset lending options many traditional providers can’t match. Whether you're expanding your operations, replacing outdated machinery, or investing in new tools to grow, our network of over 70 lenders ensures you're backed by choice, speed, and flexibility every step of the way.

Access to 70+ Lenders

Compare business loan options across multiple lenders at once with no credit impact.

Expert Finance Broker Support

Support across different commercial finance products.

Guidance on Structures & Lender Fit

Find the right fit for your business structure & cashflow.

Fast & Streamlined Application

Compare with one application. No credit impact. Fully digital.

Done-For-You Loan Settlement

Fast approvals and funds securely paid out.

4.8 Stars from 5,000+ Reviews

Rated for great service, clear communication, and fast funding.

Explore Commercial Finance & Business Loan Options

Looking to access funding for business growth, working capital or operational expenses? Commercial finance solutions can help businesses manage cash flow, invest in new opportunities and support day-to-day operations.

Whether you're seeking long-term growth capital, unsecured funding, low documentation options or short-term cash flow support, understanding the available finance structures can help you identify a solution that aligns with your business needs and objectives.

Business Loans

Unsecured Business Loans

Cashflow Finance

Low & Alt Doc Loans

Commercial & Business FAQs

Commercial finance can look different depending on your business structure, funding purpose and available documentation. These FAQs answer common questions about comparing business funding options and understanding which commercial finance solution may suit your needs.

Commercial finance can include a range of business funding options, depending on the purpose of the loan and the needs of the business.

Common commercial finance solutions include business loans, unsecured business loans, low doc business loans and cash flow loans. A business loan may be suitable for broader growth or investment needs, while an unsecured business loan may suit businesses that do not want to provide property or business assets as security. Low doc options may be available for eligible business owners with limited financial documentation, while cash flow loans are commonly used to manage short-term working capital requirements.

The right option will depend on your funding purpose, business profile, trading history, available documents and lender criteria.

The right commercial finance solution depends on what your business needs funding for, how quickly the funds are required, and what documentation or security is available.

For example, a business seeking funding for long-term growth may consider a general business loan. A business wanting fast access to capital without offering assets as security may explore unsecured business loans. A self-employed applicant without full financial statements may look at low doc lending, while a business dealing with delayed payments or seasonal fluctuations may consider cash flow finance.

When comparing options, it is important to consider loan amount, repayment structure, interest rate, fees, security requirements and overall affordability.

Ausloans finance specialists guide applicants through the finance process, helping business owners understand the best loan solution for their needs.

Yes, commercial finance may be available to sole traders, ABN holders, small businesses and established companies, depending on the lender and the business profile.

Lenders usually assess factors such as trading history, revenue, cash flow, credit profile, industry type and repayment capacity. Some lenders may require a minimum trading period or a certain level of business income, while others may consider newer or smaller businesses if the application demonstrates affordability.

Sole traders and small businesses may also have access to low doc or alternative documentation options through selected lenders, depending on their circumstances.

Yes, some commercial finance options are available without property security.

Unsecured business loans allow eligible businesses to access funding without using property or business assets as collateral. Instead, lenders typically assess the strength of the business based on revenue, cash flow, trading history, credit profile and ability to repay the loan.

Because unsecured finance involves more risk for the lender, interest rates may be higher than secured business finance and approval criteria may be stricter.

Commercial finance can be used for a wide range of business purposes, depending on the lender and loan structure.

Businesses commonly use commercial finance to manage working capital, purchase inventory, support growth, hire staff, invest in marketing, cover operational expenses, manage seasonal fluctuations or respond to unexpected costs. It may also be used to fund expansion plans, improve cash flow stability or take advantage of new business opportunities.

Some lenders may place restrictions on how funds can be used, so it is important to choose a finance option that aligns with your business purpose.

Commercial finance approval times vary depending on the lender, loan type, documentation and complexity of the application.

Some unsecured or cash flow finance applications may receive a faster decision, particularly when the business can provide the required documents quickly. More complex applications, larger loan amounts or secured facilities may take longer because lenders may need to review additional financial information or security details.

Having business bank statements, identification, ABN details and any available financial documents ready can help speed up the process.

Ausloans brokers will guide applicants through all the steps needed.

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