A reference library with a real person at the desk

Why this site exists

Business finance is full of words nobody explains. Caveat, GSA, LVR, capitalised interest, all-moneys guarantee — owners meet them for the first time in a letter of offer, usually under time pressure. Most finance websites skip the explanation and go straight to the sales pitch. We wanted to build the opposite: a calm, complete reference that explains how every product works, who it suits, how lenders decide and what to use instead.

That's why the site is organised like a library. Volume 1 covers loan types, Volume 2 explains the concepts lenders use, and Volume 3 sets products side by side. The glossary defines more than 250 terms, and the loan-type finder points you to the right entries in a few clicks.

Who we help

Australian business owners — sole traders, partnerships, companies and trusts — who need finance for a business purpose. That includes businesses buying equipment, funding stock or wages, clearing an ATO debt, buying another business, bridging a timing gap or consolidating debts. It includes owners with strong financials and owners whose paperwork or credit file is less than perfect. Past credit issues and ATO debt are considered case by case.

• Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property.
• Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Business purposes only.

What we promise

Put simply: finding out what's possible won't touch your credit file, your details won't be sprayed to a list of lenders, and a real person will read your enquiry and call you. We ask one thing in return — please fill in the form accurately, so we can match you with the right option the first time rather than the third.

How we work

1. You tell us what you need. A short enquiry: amount, purpose, state, how long you've traded and any property you own.
2. A specialist reviews it. A real person reads your situation, not an algorithm scoring you for resale.
3. We call you. We talk through what fits — secured or unsecured, how quickly, what's needed — and explain the terms in plain English.
4. You decide. Documents and a credit check only come in once you choose to go ahead.

We don't publish interest rates, because every business loan is priced on the individual business. A rate on a web page would be wrong for most of the people reading it.

How we write the encyclopedia

Every entry is written from scratch for Australian businesses, in Australian English, by the All Business Loans editorial team. Where we state a rule, threshold or date, we check it against official sources — the ATO, ASIC, AFSA, the OAIC, the ACCC, Fair Work and business.gov.au — and link to them at the foot of the page. Worked examples are clearly marked as illustrative and never describe real businesses. When rules change, we update the entry and its date.

Company details

All Business Loans is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as All Business Loans.

Office: Level 27, 101 Collins Street, Melbourne VIC 3000
Phone: 03 9072 0200

Ready to talk? Start your 60-second enquiry — there's no credit check when you first enquire.