Business Loans

A business loan is finance specifically designed to help your business grow, manage cash flow, or invest in assets. Common uses include buying a vehicle or equipment, bridging a cash flow gap, funding expansion, or covering operational costs. At Ezilend, we offer business finance solutions tailored to your needs — let’s build a brighter future for your business!

The most common types include a business line of credit, working capital loans, and invoice finance — each with different loan terms, repayments, and approval requirements. For vehicles and equipment, a chattel mortgage is often the most tax-effective structure. Your Ezilend broker will match you with the right product for what you actually need.

Generally, the minimum requirements are being at least 18 years of age, having an ABN with GST registration, and at least six months of trading history. Lenders also look at your revenue, cash flow, credit history, and the purpose of the loan. Not sure if you qualify? Give Ezilend a call — no obligation, and we’ll tell you honestly where you stand.

Most lenders will want to see recent business bank statements (typically 3–6 months), your ABN, identification for all directors, and evidence of trading history. For larger loans, financial statements and tax returns may also be required. Ezilend will help you get everything together so the process is smooth from the start.

Unsecured loans tend to have higher rates but faster approval times. Secured loans usually offer lower rates but require assets as collateral. For asset purchases like vehicles, trucks, or equipment, a secured chattel mortgage is usually the smarter move. We’ll help you figure out what’s right for your business.

Interest rates on business loans in Australia typically range from 5% to 15% per annum, depending on your credit history, whether the loan is secured, the loan amount, and the lender type. The Ezilend team shops across lenders to ensure you’re not paying more than you need to.

Yes, though it can be trickier without an established trading history. Online and specialist lenders are often more accommodating for newer businesses. The stronger your documentation and the clearer your business case, the better your chances. Ezilend will give you honest advice and point you in the right direction.

Absolutely — and this is one of Ezilend’s core specialities! Business vehicle finance through a chattel mortgage gives you ownership from day one and may offer significant tax advantages. Whether it’s a company car, a ute for the team, or a truck for your fleet, Ezilend has you covered. Let’s get your business moving!

Often, yes! Interest on business loans is generally tax deductible, and certain asset finance structures (like chattel mortgages) allow you to claim GST on the purchase price upfront and potentially access instant asset write-off provisions. Always talk to your accountant to understand what applies to your specific situation.

Quick and easy — just contact your local Ezilend broker or apply online. We’ll walk you through the options, match you with the right lender from our panel, and handle the heavy lifting so you can focus on running your business. Stress-free finance from start to settlement — that’s what we’re here for!