Business loans for Australian small businesses
Fast business funding, without the runaround.
Unsecured business finance of up to $200,000, assessed on your recent business revenue — not a mountain of paperwork.
- Up to $200,000 unsecured
- Assessed on recent revenue
- May not need full financials
- Australia-wide & fully online
Subject to eligibility, assessment and lender approval. Business purposes only.
G’day, I’m Sam. I’ll keep this simple.
G’day, I’m Sam. I’ll keep this simple.
Why Smoko Finance
Finance talk you can actually follow.
A smoko is the short break where the real conversations happen. That’s how business finance should feel: quick, straight-up and in plain English — not three weeks of forms and phone tag.
- One short enquiry. About two minutes, online, free, and it’s not an application for credit.
- A real person calls you back. A business finance specialist — usually within one business day.
- Assessed on how the business is trading now. Your recent revenue does the talking, so full financial statements may not be required for eligible applications.
- Nothing proceeds without your say-so. If approved, you see the amount, rate and repayments before you accept anything.
Real businesses, real funding
What business owners say
Different businesses, different reasons for needing money, and what actually happened.
I approached Smoko Finance after chasing a few customers that hadn’t paid, and basically they left a hole in our cash flow. They organised a $25,000 unsecured business loan and made the whole process much easier than I expected. Communication was clear, I always knew what was happening, and the funds were available quickly. Great service from start to finish.
We needed $48,000 to purchase new kitchen equipment for our catering business but didn’t want to use our property as security. The team at Smoko Finance explained the different options clearly and found an unsecured loan that suited what we needed. They were responsive, professional and genuinely helpful throughout the process. Highly recommended.
Couldn’t fault the service. We had an opportunity to purchase a large amount of stock at a discounted price, but we needed to move quickly. The team at Smoko Finance helped us secure a $72,000 business loan without putting up an asset as security. Everything was handled professionally and we were kept updated the entire time. Would definitely use them again.
Smoko Finance assisted us with a $125,000 unsecured loan to help cover the fit-out, staffing and opening costs for our second location. Having someone who communicated clearly and understood the urgency made a big difference. Jack and Hailey were super quick to respond, and they got it done so we could have funds in our account before the weekend. The application was handled professionally and there were no surprises along the way. Excellent experience overall.
Our construction company secured a major new development contract and we needed additional funds to pay for wages, building materials and subbies. After being given the run-around elsewhere, my accountant recommended I speak to Jack from Smoko Finance. Jack and the team got us a $190,000 unsecured business loan over a three-year term, with the first payment due after three months — this was vital for us. He was upfront about the costs, answered all my questions and worked hard to get the deal completed.
We contacted Smoko Finance when our business started growing faster than expected and we needed funding to hire two new employees and increase our marketing. They helped us arrange a $95,000 unsecured business loan and made the process surprisingly simple. The team was easy to deal with, explained the repayments and fees clearly, and kept us updated throughout the application. Very happy with the outcome and would happily recommend them.
Individual experiences vary. Loan amounts, rates, terms, repayment structures and timing depend on the applicant’s circumstances and the lender’s assessment. These reviews describe those customers’ own outcomes and are not a promise of a similar result.
Find your fit
Business loans for the way you need to borrow
Every option below is unsecured, for business purposes only, and assessed primarily on recent revenue. Start with the structure that matches how you’d use the money.
By business need
What’s the funding for?
By industry
Built around how your industry trades
How it works
Three steps. No mystery.
- 1Tell us what the business needs
Complete the free two-minute enquiry: how much funding, what it’s for, and roughly what the business turns over each month.
- 2Talk to a specialist
A business finance specialist calls you back, usually within one business day, and matches your enquiry with lenders suited to your revenue profile and purpose.
- 3Review your offer and decide
If approved, you review the amount, rate, term and repayments before accepting. For eligible approved applications, funds can arrive the same day after acceptance, subject to banking cut-off times.
How assessment works
Your last six months do the talking.
Instead of leaning on years-old tax returns, lenders in this space look hard at how the business is trading right now — especially your most recent six months of revenue. Consistent turnover, healthy inflows and manageable commitments tell the story faster than a folder of financial statements.
It’s a key input, not a magic formula: assessors also weigh revenue consistency, existing obligations, time trading, industry and credit history. But it means full financials may not be required for eligible applications, and decisions can move quickly.
The honest comparison
Big-bank business lending vs Smoko Finance
Banks work well for some businesses. Here’s the factual difference, so you can decide what fits.
| Factor | Typical big-bank loan | Through Smoko Finance |
|---|---|---|
| Security | Often property or asset security | Unsecured options up to $200,000 |
| Financials | Full financial statements usually required | May not be required for eligible applications |
| Assessment focus | Historical financials and security position | Recent business revenue — your latest ~6 months |
| Application | Long forms; branch visits common | One short online enquiry, then a phone call |
| Decision speed | Days to weeks is common | Same-day outcomes possible for eligible, complete applications |
All finance is subject to lender assessment and approval. Neither column is a promise about any individual application.
Straight answers
Guides for business owners in a hurry
Quick answers, no smoke
Fast business loan FAQs
How much can my business borrow?
Unsecured business finance of up to $200,000 may be available through Smoko Finance. The amount any business can access depends on its recent revenue, time trading, existing commitments and the lender’s assessment — $200,000 is a maximum, not a typical amount.
How fast can funds arrive?
For eligible approved applications, funds can arrive the same day — after checks are complete, you’ve accepted the offer, and before the lender’s banking cut-off time. A complete application with current bank data can see an outcome quickly, but timing depends on the lender and is never guaranteed.
Do I need financial statements?
For some eligible applications, full accountant-prepared financial statements may not be required. Recent bank statements or secure bank data, plus identity and business verification, may still be needed.
Is the loan secured against my property?
The options explored through Smoko Finance are unsecured, meaning no specific property or asset is pledged as security. Depending on the lender and product, a director’s guarantee or other conditions may still apply — always confirmed before you accept.
What does it cost to enquire?
Nothing. The enquiry is free, takes about two minutes, and is not an application for credit. You are never obliged to proceed with any offer.
Is Smoko Finance a lender?
No. Smoko Finance is a business-finance referral service, not a lender, and does not provide credit assistance. Your enquiry is referred to experienced Australian commercial finance specialists who work with lenders suited to your situation.
Can I get finance for personal use?
No. Finance explored through Smoko Finance is strictly for business purposes — things like stock, equipment, payroll, tax obligations, marketing or expansion. Personal and household lending is not offered.
Does my industry matter?
It’s one factor among several. Lenders understand that a café, a plumber and an online store have different revenue rhythms, and assessment reflects that. See the industry pages for how funding tends to work in your line of business.
Four things we promise
What you can hold us to
No fine print games. These are commitments, not marketing.
No pressure, no runaround
Take a two-minute smoko. Sort the funding question.
Tell us what the business needs and a specialist will call you back with clear options — free, no obligation, business purposes only.
Get My Free Quote