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Share your business details, ABN, funding amount, and contact information.
Fast, Flexible Business Loan from $5,000 to $200,000.
SimplyFunded helps Australian businesses access business funding from $5,000 to $200,000 for cash flow, stock, wages, suppliers and growth.
- Fast online application in under a minute
- All credit profiles considered
- Business funding from $5,000 to $200,000
- Funding possible within 24 hours
Fast and flexible funding built around real trading conditions
Fast unsecured business loans are most useful when the business has a clear commercial need and does not want to offer property security. A quiet month, a new contract, a supplier deadline or an ATO payment can all affect working capital at the same time. Retail businesses can also review our retail business finance guide for stock, suppliers, wages and growth costs.
The right business loan is about timing, repayment fit and solving a clear commercial problem - not just the amount approved. If the main issue is a timing gap, our cash flow loans page explains that use case in more detail. SimplyFunded checks basic eligibility, recent revenue and trading history, then reviews the intended use of funds. For smaller funding needs, read the $5,000 business loan guide.
Cash flow timing
Bridge the gap between invoices, supplier payments, and payroll without waiting for a bank process.
Growth
Stock, campaigns, fit outs while opportunities are active.
Low-doc review
Assessment focused on trading and revenue, not paperwork.
How does SimplyFunded help Australian SMEs access funding?
- 01Understand
Get clear on the loan
SimplyFunded provides direct business lending to Australian SMEs for cash flow, stock, wages, suppliers, tax, equipment and growth. Our SME loan guide helps you understand the amount, purpose, timing, and repayment fit before you apply.
- 02Compare
Find the right fit
The most suitable option depends on the problem you solve. Unsecured business loans suit a broad cost without property security, while cash flow loans suit a gap between invoices and outgoing costs. Compare business loan rates and total repayment costs before choosing.
- 03Apply
Start with a clear purpose
Run the business loan calculator, review the business loan requirements, then apply online for a clear funding purpose.
Apply now
How SimplyFunded works
The process is structured for business owners who need a clear answer quickly.
Review and confirm
A funding specialist checks eligibility and confirms any details needed for assessment.
Decision
Your application is reviewed against revenue, trading history, cash flow, and funding purposes.
Funds released
Approved funds can be sent directly to your business account, often within 24 hours.
Which funding option fits your business?
The right option depends on why you need the money, how quickly you need it and how the repayment fits your normal cash flow.
Fast business loan
For an urgent, defined business cost when you do not want to offer property security.
Explore fast loansUnsecured business loan
For broader working capital, stock, wages, suppliers, tax, equipment or growth needs.
View unsecured loansCash flow loan
For a temporary gap between customer payments and costs, such as wages or supplier bills.
View cash flow fundingShort-term business loan
For a one-off urgent expense with a clear repayment source and defined timeframe.
View short-term loansEvery option remains subject to assessment. Compare the total cost, repayment frequency, term and any security or guarantee requirements before you apply.
What can slow down approval?
Unclear trading evidence
Missing statements, mismatched business names, or incomplete ABN details can delay assessment because revenue cannot be verified cleanly.
Vague use of funds
Applications are easier to review when the requested amount is tied to stock, wages, supplier invoices, ATO payments, or another specific need.
Recent account stress
Dishonors, arrears or sudden revenue drops do not always prevent approval, but they may require more context before a decision is made.
A simple decision framework before applying
Define the business problem first: timing gap, growth cost, supplier deadline, tax pressure or working capital buffer.
Match the loan amount to actual costs rather than applying for the largest possible figure.
Check whether the funded activity creates cash, protects revenue, or removes a specific pressure point.
Review repayments against an ordinary month, not only a strong sales month.
Prepare recent bank statements and explain any unusual account activity before it causes questions.
Avoid using fast finance to cover a recurring loss that needs an operational fix.
If the business owner is a sole trader, the sole trade's business loans guide explains how trading history, revenue, and mixed business transactions are reviewed.
Partner with SimplyFunded
Refer to your clients for unsecured business loans from AUD $5,000 to $200,000. Fast approvals, competitive commissions, and a dedicated partnerships team.
Become a brokerSimplyFunded provides business funding from AUD $5,000 to $200,000 for eligible Australian SMEs. The amount offered depends on trading history, revenue, account conduct, existing commitments, funding purpose and repayment capacity, subject to assessment.
SimplyFunded's primary product is unsecured business finance, so property or major asset security is not generally required. Applications are still assessed on trading history, revenue, account conduct, funding purpose and repayment fit.
Eligible businesses may use funding for cash flow, stock, wages, supplier invoices, tax, marketing, repairs, equipment-related costs, project expenses or growth. The purpose should be specific and connected to a realistic repayment plan.
SimplyFunded generally looks for an active ABN or ACN, at least 6 months of trading history and AUD $5,000 or more in monthly revenue. Approval is not guaranteed and all applications are subject to assessment.
Timing depends on eligibility, complete information, assessment, approval, acceptance and payment processing. Applications can move faster when ABN details, recent bank statements, the funding purpose and repayment information are ready, but there is no guaranteed instant approval or funding time.
Have your ABN or ACN, recent business bank statements, revenue information, existing commitments and a short explanation of what the funding will pay for ready. Clear, matching business information helps reduce avoidable follow-up questions.
Compare the total repayment, payment frequency and fees against an ordinary trading month. The repayment should leave room for wages, rent, tax, suppliers and normal owner drawings rather than relying only on a strong month or uncertain future sales.