The businesses we finance
We work with all types of Australian business — sole traders, partnerships, companies and trusts, across every industry, from first-year ABNs through to established multi-site operators.
In practice that means trades and construction, transport and logistics, hospitality and cafés, retail and e-commerce, healthcare and allied health, professional services, agriculture, manufacturing, franchises, cleaning, beauty, fitness, events and not-for-profits. Because the panel spans banks, non-bank lenders, fintechs and asset financiers, industries that a single bank declines on policy are usually still funded elsewhere on the panel.
Services we arrange
Unsecured business loans
Term funding from $5,000 to $500,000 with no property security, assessed on trading performance. Used for payroll, stock, marketing and general growth.
Current market rates 9.9% – 26% p.a. · funding 24 – 48 hours
Equipment & machinery finance
Chattel mortgage, lease and rental structures from $10,000 to $1,000,000 over 1 to 7 years, secured by the asset. New, used and private-sale purchases.
Current market rates 6.9% – 16% p.a. · funding 24 – 72 hours
Commercial vehicle finance
Utes, vans, trucks, trailers and full fleets, including dealer and private sales, with balloon structures to keep repayments manageable.
Current market rates 6.5% – 15% p.a. · funding 24 – 72 hours
Business line of credit
Revolving limits from $5,000 to $500,000 where interest is charged only on funds drawn. Suited to seasonal trade and uneven receivables.
Current market rates 10.5% – 24% p.a. · funding 24 – 48 hours to the limit
Working capital & cash flow
Short-term facilities that bridge the gap between paying suppliers and being paid, including invoice-backed and trade funding.
Current market rates 10.9% – 28% p.a. · funding 24 hours
Fast & same-day funding
Urgent facilities for tax debt, ATO payment plans, emergency repairs and time-limited purchases, commonly settled within 24 hours.
Current market rates 12% – 30% p.a. · funding Same day to 24 hours
Our fees and how we are paid
Using AI Business Loans costs your business nothing. We may receive a referral or commission fee from the lender that funds your facility, but it is never paid by you, the applicant. Any amount is disclosed to you in writing before you accept any offer. We do not charge application fees, brokerage fees or retainers.
| Item | Payable to | Typical cost |
|---|---|---|
| Matching, comparison and advice | AI Business Loans | $0 — no charge to you |
| Referral/commission fee from lender | AI Business Loans (paid by lender, never by applicant) | Varies; disclosed in writing before you accept an offer |
| Establishment fee (unsecured) | Lender | 1% – 3% of the loan amount |
| Documentation fee (asset finance) | Lender | $395 – $995 |
| Ongoing account fee | Lender | $0 – $30 per month |
| Early payout | Lender | Often discounted; some products fix the total repayable |
Our terms of engagement
- No cost to you for matching, comparison or advice — we are paid by the funding lender.
- Commission is disclosed in writing, in dollars and as a percentage, before you accept an offer.
- We present the full shortlist, not a single lender, and explain why each option ranked where it did.
- We never lodge a formal credit application without your written consent.
- Your data is shared only with the lenders you approve, and is held on the licensed platform — not on this website.
- You are free to walk away at any point before settlement at no charge.
Full detail is set out in our terms of use and privacy policy.
A real loan example
A representative funding scenario at current Australian market pricing, showing every number a borrower should see before signing.
Two-vehicle plumbing company, Western Sydney
- Trading history
- 4 years, sole director, ABN and GST registered
- Monthly turnover
- $62,000 per month
- Purpose
- Purchase of a second work ute and a trailer-mounted jetter
- Product matched
- Commercial vehicle loan (chattel mortgage), secured by the vehicles
- Amount financed
- $84,000
- Interest rate
- 8.45% p.a.
- Term
- 60 months
- Balloon / residual
- $12,600
- Documentation fee
- $495
- Total interest paid
- $19,076
$1,424.61 per month over 60 months
Matched in 4 minutes, approved the same afternoon and settled at the dealership two business days later. The balloon of $12,600 keeps the monthly repayment roughly $240 lower than a fully amortised loan and is refinanced or paid out at the end of the term.
Example only, using indicative current market pricing. It is not an offer of finance and your own rate, fees and repayments depend on your business profile and the lender.
Ask for a scenario like thisBusiness profile FAQs
How does AI Business Loans get paid?
We may receive a referral or commission fee from the lender that funds your loan. It is never paid by you, the applicant, and any amount is disclosed to you in writing before you accept any offer. There is no charge to you for using the matching service, comparing options or speaking with our team.
Are you the lender?
No. AI Business Loans is a commercial finance matching service. All lending and financial services are provided by our licensed partner network. We arrange and present offers; the credit contract is always between your business and the lender.
What types of business do you work with?
All types and all industries — sole traders, partnerships, companies and trusts, from first-year ABNs to established multi-site operators. Trades, construction, transport, hospitality, retail, e-commerce, healthcare, professional services, agriculture, manufacturing and franchises are all funded regularly through the panel.
What do I need to provide?
For most applications: your ABN, six months of business bank data (shared read-only, not emailed PDFs), photo ID, and details of the funding purpose. Amounts above roughly $250,000, or secured facilities, may also require BAS lodgements or financial statements.
Does an enquiry affect my credit file?
No. Matching and pre-qualification run as a soft enquiry and leave your credit score unchanged. A credit enquiry is only recorded once you choose a lender and proceed to a formal application.
Talk to a real Australian finance specialist
Tell us about your business and we will match it against 90+ lenders and explain the shortlist in plain English.
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