Business Finance from $10K to $50M+
Fuel growth, buy equipment, bridge cash flow gaps, or acquire commercial property with business loans designed for Australian SMEs. Kreddi brokers compare 60+ lenders to find you the best rate, structure, and tax benefits.
Business Finance That Fuels Growth
Every business needs capital to grow—whether it's buying equipment, covering cash flow gaps, acquiring commercial property, or simply keeping the lights on between invoices. But navigating the maze of banks, non-bank lenders, and finance products feels overwhelming when you should be focusing on running your business.
That's where Kreddi comes in. Our commercial finance brokers specialise in Australian business lending across all industries—from tradies buying utes to manufacturers acquiring million-dollar machinery to property developers funding commercial projects. We compare 60+ lenders to find you the lowest rate, best tax structure, and fastest approval.
Best of all? Our service is 100% free. Lenders pay us a commission when your loan settles, so we're incentivised to get you approved quickly—not waste your time. Whether you need $10K for a tradie ute or $50M for a commercial development, Kreddi brokers have the expertise and lender relationships to make it happen.
Types of Business Finance
We arrange every type of commercial finance your business needs
Equipment Finance
Fund machinery, vehicles, technology, and tools without depleting cash reserves. Lease or buy with tax-deductible repayments.
- Finance 100% of equipment cost (inc. GST)
- Tax-deductible interest & depreciation
- Chattel mortgage, lease, or hire purchase
- Preserve working capital for operations
Common uses: Trucks, excavators, medical equipment, IT hardware, factory machinery, solar panels
Cash Flow Loans
Bridge cash flow gaps, pay suppliers, or fund growth with unsecured business loans. Fast approval, flexible terms.
- Unsecured loans up to $500K
- Approval in 24-48 hours
- No asset required as collateral
- Use for any business purpose
Common uses: Cover payroll, buy inventory, pay ATO debts, marketing campaigns, hire staff
Invoice Financing / Factoring
Unlock cash tied up in unpaid invoices. Get 80%-90% of invoice value within 24 hours—ideal for B2B businesses with 30-90 day payment terms.
- Access cash within 24 hours
- Lender advances 80%-90% of invoice value
- You collect from customers as normal
- No long-term debt on balance sheet
Common uses: Tradies, consultants, staffing agencies, wholesalers, construction firms
Commercial Property Loans
Buy, refinance, or develop commercial property with loans from $500K to $50M+. Owner-occupier or investment properties.
- LVR up to 80% (some lenders)
- Terms up to 30 years available
- Interest-only options for investors
- Tax-deductible interest payments
Common uses: Offices, warehouses, retail shops, industrial sheds, development projects
Tax Benefits of Business Loans
Business finance isn't just about access to capital—it's a powerful tax strategy that can save your business thousands (or hundreds of thousands) per year.
Instant Asset Write-Off
Eligible businesses can immediately deduct the full cost of equipment purchases up to certain thresholds (check current ATO limits). This reduces your taxable income in the year of purchase—a massive tax saving for growing businesses.
Depreciation Deductions
Even if you don't qualify for instant asset write-off, you can claim depreciation deductions over the effective life of the asset. For example, a $100K excavator depreciated over 10 years saves you ~$30K in tax (at 30% company tax rate).
Tax-Deductible Interest
All interest payments on business loans (equipment finance, cash flow loans, commercial property) are 100% tax-deductible. If your business pays $10,000/year in interest at a 30% tax rate, that's a $3,000 tax saving.
GST Benefits (Chattel Mortgage)
With chattel mortgage finance, you can claim the GST back on equipment purchases immediately (if GST-registered), improving cash flow. The lender finances the full cost including GST, but you reclaim the GST in your next BAS.
Real-World Tax Savings Example
Scenario: Your business buys a $110,000 excavator (inc. GST) using chattel mortgage finance.
- GST refund: $10,000 claimed back in next BAS (if GST-registered)
- Instant asset write-off: Deduct $100,000 immediately (if eligible), saving ~$30,000 in company tax (at 30% rate)
- Interest deductions: Loan at 7% p.a. over 5 years = ~$20,000 interest. Tax saving: ~$6,000 (at 30% rate)
Total tax savings: ~$46,000 on a $110K purchase. The excavator's effective cost after tax is just $64K—a 42% reduction. This is why smart business owners use finance instead of paying cash.
Why Choose Kreddi for Business Finance?
Specialist Business Brokers
Our team understands commercial finance, tax structures, and business cash flow—not just interest rates.
Compare 60+ Lenders
Banks, non-bank lenders, private funders—we search the entire market to find the best rate and structure.
Tax-Optimised Structures
We recommend chattel mortgage, lease, or hire purchase based on what maximises your tax benefits.
Fast Approval & Settlement
Cash flow loans approved in 24-48 hours. Equipment finance in 2-5 days. We expedite every application.
100% Free Service
Your business pays $0 in broker fees—lenders pay us when your loan settles.
All Industries Welcome
Construction, hospitality, healthcare, manufacturing, retail—we finance every industry.
How Kreddi Business Finance Works
Tell Us What You Need
Equipment? Cash flow? Property? Apply online or call us to discuss your business needs.
We Compare Lenders
A Kreddi broker searches 60+ lenders for the best rate and tax structure.
Fast Approval
24-48 hours for cash flow, 2-5 days for equipment, 5-10 days for property.
Get Funded & Grow
Funds hit your account. You buy the equipment, cover cash flow, or close the property deal.
Business Loan FAQs
Common questions about business finance in Australia
Frequently Asked Questions
Kreddi brokers arrange all types of business finance: equipment finance (chattel mortgage, lease, hire purchase), unsecured cash flow loans, invoice financing/factoring, commercial property loans, business overdrafts, and trade finance. We also specialise in asset finance for vehicles, machinery, technology, and medical equipment. Whether you need $10K for a ute or $5M for a warehouse, we compare 60+ lenders to find the best rate and structure.
It depends on your business's revenue, profitability, and assets. Unsecured cash flow loans typically range from $5K to $500K. Equipment finance can go from $10K to $5M+ depending on the asset. Commercial property loans start at $500K and can exceed $50M for large projects. Kreddi brokers assess your financials and match you with lenders offering the highest approval amounts for your situation.
Not always. Unsecured business loans (up to $500K) don't require asset security—approval is based on revenue, profitability, and credit score. Equipment finance is secured by the equipment itself, so you don't need additional collateral. Commercial property loans are secured by the property. Invoice financing is secured by the invoices. Kreddi helps you choose the right structure to minimise security requirements while maximising borrowing capacity.
All interest on business loans is 100% tax-deductible, reducing your taxable income. Equipment purchases may qualify for instant asset write-off (deduct the full cost immediately) or depreciation deductions over the asset's life. Chattel mortgage structures let GST-registered businesses claim back the GST on equipment purchases in the next BAS. For example: a $110K excavator (inc. GST) via chattel mortgage lets you reclaim $10K GST immediately, deduct the full $100K cost if you qualify for instant write-off, AND claim interest deductions. These tax savings can reduce the effective cost of equipment by 30%-40%.
Unsecured cash flow loans and invoice financing can be approved in 24-48 hours with the right documents. Equipment finance typically takes 2-5 business days (lenders may need to inspect the asset or verify supplier details). Commercial property loans take 5-10 business days due to property valuations and due diligence. Kreddi brokers expedite the process by submitting complete, accurate applications to the right lenders first time, avoiding delays and re-submissions.
Ready to Finance Your Business Growth?
Whether you need equipment, cash flow, invoice financing, or commercial property loans, Kreddi brokers are here to help. We compare 60+ lenders to find you the lowest rate and best tax structure.
Get started now. Submit a quick quote for a free comparison, or apply directly for fast approval.
Apply Now (Business Application)100% tax-deductible interest • Fast approval • Free broker service
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Call us on 1300 573 334 or request a callback—our commercial finance team is here to help.
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