# SimplyFunded - Fast Business Loans for Australian SMEs

> SimplyFunded provides unsecured business loans from AUD $5,000 to AUD $200,000 for Australian SMEs. A direct lender offering business loans, working capital finance, and cash flow funding with same-day review and funding within 24 hours. SimplyFunded is a trading name of Morley Capital Australia Ltd (ABN: 52 691 295 342).

## Core Pages

- [Home](https://www.simplyfunded.com.au/): Fast business loans and practical SME funding for Australia. Unsecured business loans from AUD $5,000 to AUD $200,000.
- [Unsecured Business Loans](https://www.simplyfunded.com.au/unsecured-business-loans): Unsecured business loans from AUD $5,000 to AUD $200,000 for Australian SMEs that do not want to pledge property or major assets.
- [Low Doc Business Loans](https://www.simplyfunded.com.au/low-doc-business-loans): Low doc business loans for Australian SMEs that want a simpler application while still providing practical trading evidence.
- [Bad Credit Business Loans](https://www.simplyfunded.com.au/bad-credit-business-loans): Business funding guidance for Australian SMEs with imperfect credit, focused on revenue, conduct, context and affordability.
- [Short Term Business Loans](https://www.simplyfunded.com.au/short-term-business-loans): Short term business loans for stock, wages, supplier payments, ATO pressure and urgent working capital needs.
- [Cash Flow Loans](https://www.simplyfunded.com.au/cash-flow-loans): Business cash flow loans for timing gaps between income and expenses, including invoices, wages, stock and tax.
- [Sole Trader Business Loans](https://www.simplyfunded.com.au/sole-trader-business-loans): Business loans for sole traders and self-employed Australians with at least 6 months trading and AUD $5,000 monthly revenue.
- [Business Line of Credit](https://www.simplyfunded.com.au/business-line-of-credit): Guidance on business line of credit funding, flexible drawdowns, rates, limits and when a fixed loan may be better.
- [About](https://www.simplyfunded.com.au/about): About SimplyFunded Australia. Australian business lending with clear decisions and direct support for SMEs.
- [Apply](https://www.simplyfunded.com.au/apply): Apply for a business loan in Australia. Online application for unsecured SME funding from AUD $5,000 to $200,000.
- [FAQ](https://www.simplyfunded.com.au/faq): Business loan FAQs for Australian SMEs covering eligibility, unsecured loans, rates, bank statements, approval speed, bad credit, repayments and common loan uses.
- [Contact](https://www.simplyfunded.com.au/contact): Contact SimplyFunded for unsecured business loan enquiries, SME funding questions and application support.
- [Business Loan Rates](https://www.simplyfunded.com.au/business-loan-rates): Business loan rates and interest rate guidance for Australian SMEs. Learn what factors affect your rate.
- [Business Loan Calculator](https://www.simplyfunded.com.au/business-loan-calculator): Estimate monthly repayments, total interest and total repayable for a business loan with an interactive calculator.
- [Business Loan Requirements](https://www.simplyfunded.com.au/business-loan-requirements): Business loan requirements for Australian SMEs. Learn what documents, trading history and revenue criteria lenders check.
- [How to Get a Business Loan](https://www.simplyfunded.com.au/how-to-get-a-business-loan): Step-by-step guide on how to get a business loan in Australia, covering preparation, application, assessment and funding.
- [Business Loan Comparison](https://www.simplyfunded.com.au/business-loan-comparison): Compare unsecured, low doc, short term, cash flow and line of credit options to find the right business loan for your SME.
- [Business Loan Deposit Guide](https://www.simplyfunded.com.au/business-loan-deposit): Learn about business loan deposits for Australian SMEs including when deposits are needed and how they work for different loan types.
- [Privacy Policy](https://www.simplyfunded.com.au/privacypolicy): Privacy policy for SimplyFunded Australia.
- [Terms & Conditions](https://www.simplyfunded.com.au/terms-and-conditions): Terms and conditions for SimplyFunded Australia.

## Key Loan Details

- **Loan Amount:** AUD $5,000 - AUD $200,000
- **Approval Time:** Same-day review
- **Funding Time:** Within 24 hours of approval
- **Application Time:** Under a minute
- **Type:** Unsecured business loans
- **Repayment:** Fixed repayment structure, no hidden fees

## Eligibility Criteria

- Minimum 6 months trading history
- Minimum AUD $5,000 monthly revenue
- Australian limited company or sole trader
- Business-purpose funding need
- Checking eligibility does not affect your credit score

## What the Loans Can Be Used For

- Working Capital
- Cash Flow Timing
- Stock & Inventory
- Wages & Payroll
- Supplier Payments
- ATO Payments
- Equipment & Machinery
- Marketing & Growth
- Project Mobilisation
- Seasonal Demand
- Refurbishment & Upgrades
- Unexpected Business Bills

## Core Advantages

1. **Unsecured Business Loans** - Unsecured business finance without securing against your home or assets
2. **Fast Online Application** - Apply in under a minute with no lengthy paperwork
3. **Same-Day Review** - Applications reviewed quickly with funding within 24 hours
4. **All Credit Profiles Considered** - Assessment based on business performance, not just credit score
5. **Clear Eligibility** - Simple criteria: 6 months trading and AUD $5,000 monthly revenue
6. **Transparent Process** - No hidden fees, clear loan terms explained before acceptance

## How It Works

1. **Apply Online** - Complete a fast online application with your business details, ABN, funding amount and contact information
2. **Review and Confirm** - A funding specialist checks eligibility and confirms any details needed for assessment
3. **Decision** - Your application is reviewed against revenue, trading history, cash flow and funding purpose
4. **Funds Released** - Approved funds can be sent directly to your business account, often within 24 hours

## Q&A

### How fast can SimplyFunded approve the loan?
If you have 6 months of trading with AUD $5,000 monthly revenue, your application could be reviewed the same day with funding within 24 hours of approval.

### Can I get a business loan if I am self employed?
Yes. SimplyFunded offers business loans for Australian sole traders and limited company directors. If you generate AUD $5,000+ monthly revenue with at least 6 months of trading history, you are eligible to apply. Applications are assessed based on bank statements and business performance.

### How do I apply for a business loan?
Applying is fully online at https://www.simplyfunded.com.au/apply. You need your business details, ABN, funding amount, and contact information. The team reviews your application and if approved, funds can be released within 24 hours.

### How do business loans work?
A business loan provides your company with a lump sum that you repay over an agreed term. SimplyFunded offers unsecured business loans with clear, transparent repayment structures. They assess your business based on revenue, trading history, and cash flow, not just credit score.

### What if my business has limited credit history?
SimplyFunded evaluates your business performance, monthly revenue, cash flow, and trading activity, not just your credit score. If your business earns AUD $5,000+ per month with 6+ months trading, they may still be able to help.

### How much business loan can I get?
Most Australian SMEs can access funding from AUD $5,000 to AUD $200,000. The final offer depends on your monthly revenue, trading history, existing commitments, and overall business stability.

### What is an unsecured business loan?
An unsecured business loan does not require you to pledge property or assets as collateral. SimplyFunded specialises in unsecured business loans, allowing you to access funding without securing against your home or business assets.

### Will applying for a loan affect my credit score?
No. Checking eligibility and applying with SimplyFunded will not affect your credit score.

### What can the loan be used for?
Business-purpose funding for working capital, stock, wages, supplier payments, ATO payments, equipment, marketing, and growth. Funds must be used for business purposes only.

### Who can be funded by SimplyFunded?
SimplyFunded funds Australian sole traders and limited companies with at least 6 months trading history and AUD $5,000 minimum monthly revenue.

### What is the company behind SimplyFunded?
SimplyFunded is a trading name of Morley Capital Australia Ltd (ABN: 52 691 295 342).

### How can I contact SimplyFunded?
By phone at +61 8 7092 6563, by email at applications@simplyfunded.com.au, or at 22 Greenhill Road, Wayville, South Australia 5034, Australia.