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Business Loans
Running a business can be liberating but can also come with it’s own challenges. Whether you’re a sole trader or operate a Company with a team of employees; Managing cash flow is a crucial factor in the success of operating a business.
I’M LOOKING FOR
Short Term Loan
Unsecured Business Short term loans are generally paid back over a 3 – 18 month term.
Long Term Loan
Long term loans are generally paid back over a period of 12 months or more.
Line of Credit
Unsecured Loan allows you to access funds when you need it without having to reapply.
Invoice Finance
Improve cash flow by borrowing against outstanding invoices owed by customers.
Equipment Finance
Asset Finance to purchase motor vehicles, trucks, yellow goods, machinery & equipment.
Insurance Premium Finance
Breaks upfront business insurance costs into manageable monthly instalments.
Business Finance Options Available
Secured Loans
Information
Secured loans offer the most competitive interest rates with loan terms ranging from 1 – 7 years. Secured loans are available for new and used assets. The asset is used as security for the loan which lowers the overall loan risk to the bank. The benefit is lower interest rates for you.
Unsecured Loans
Information
Unsecured loans offer flexibility with loan terms ranging from 1 – 7 years. Unsecured loans can be used to purchase older model vehicles, purchase stock, pay a tax bill, marketing or any worthwhile business use.
COMMON QUESTIONS
Funds can be used for any worthwhile business purpose. This includes purchasing assets such as cars, equipment or machinery, marketing & advertising costs, ATO tax debt, wages, stock and inventory.
Business Finance is a term that covers many loan types. This include cars, equipment, machinery, unsecured loans, line of credit, trade finance and just about any worthwhile business usage.
Yes, we have lenders on our panel that can assist with start up businesses. Most banks will want to see either stability in a previous business ownership or industry experience.
Depending on the amount and the type of loan you are needing, a minimum of 6 months Bank Statements to verify your income may be all that’s needed; However by providing additional information, you can increase the range of lenders and loan products available to you.
Additional Information Includes
Tax Returns
BAS (Business Activity Statements)
Letter of Contract
Accountant Letter
Most business lenders do not require a deposit and you can generally borrow 100% + if purchasing an asset.
If purchasing, it is advisable to use savings or a trade in to lower the loan amount. This will reduce the total amount of interest you will pay over the term. A deposit also adds comfort to the lender as they are lending less than the value of the asset.

FINANCE AVAILABLE FOR
New Cars
Used Cars
Trucks & Trailers
Warehouse Equipment
Revolving Line of Credit
Catering & Shop Fitouts
Yellow Goods
Machinery & CNC Machines
ATO Debt
Inventory / Stock
Insurance Premium
Invoicing
CALCULATE YOUR REPAYMENT
Why Choose Us?
Choosing business finance is not as daunting as it could be when you have iCREDIT in your corner. Whatever your requirements and whatever your financial situation, we’re on your side. We’re backed by national buying power, which means that we’re in the best position possible to negotiate better, more affordable finance rates for you. Going through us is simpler, more affordable and more rewarding than going to banks directly for financing.
Whether you’re buying a new or used car, want to update your office equipment, farm machinery, need an unsecured business loan for inventory or ATO debt or just need someone to give you a go with second chance business finance; Make the smart choice by talking to one of our dedicated finance consultants today.
We’ve helped thousands of Australians find their loan.
Loans from $5000
Flexible Payment Options
Loan Terms 1 – 7 Years
Low Interest Rates
Chattel Mortgage
Leasing
Older Model Assets
Line of Credit
Invoice Financing
Insurance Finance
Short Term Loans
Long Term Loans
Protect Your Investment
We offer a range of optional insurance covers to provide protection for you and your vehicle.
Options Available
Loan Protection Cover
Loan Termination Cover
Shortfall / GAP Cover
Car Insurance
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iCREDIT Business Finance available throughout Australia, Melbourne, Sydney, Adelaide, Hobart, Darwin and Perth, Gold Coast, Palm Beach, Burleigh Heads, Tweed Heads, Brisbane, Ipswich, Sunshine Coast, and Queensland Today!
*Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Credit assistance provided by iCREDIT Australian credit licence 499023. ^Comparison rate for Secured Loan is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. **. Interest Rate: 5.49% Comparison Rate: 6.71%
* You should however take into consideration that an online car loan calculator is to be used as a Guide Only and may not include all fees and charges. Every effort has been made to ensure the accuracy of the calculator, however use and results are at your own risk. Banks and vehicle financiers will base their final decision on the vehicle age, the amount borrowed and the overall profile of the customer. When using an online car loan calculator include the following as these are generally not shown in the monthly repayments. Lender Establishment Fees, Origination Fees, Personal Property Security Register Fees, any ongoing fees. To obtain more accurate repayments based on your profile, the age of the vehicle and loan amount please call 1300 350 118 for an obligation free quote.
We do not under any circumstances accept responsibility or liability for any losses that may arise from a decision made as a result of using the calculator.