Interest rates starting from 1.99% p.a. Find out more...

Cash Flow & Innovative Business Finance

Keeping the momentum going in your business has never been easier than with our fast, easy small business loan.

If you’re running a small or medium size business then you have probably from time to time required funding to support the cash flow needs of the business. Most businesses would ask their bank to provide this funding but only to find it is only available if you have unencumbered real estate or some other type of security to support the loan.  Well not any more.

SME Finance Group through its panel of lenders can arrange that cash flow injection without the need to commit the family home to secure the loan.  We can even have the cash in your bank account in 24 hours from initial application through simple online application and credit processes.

What can you do with extra cash in your pocket? Options are endless

  • Expand or renovate a commercial premises
  • Hire more staff during busy periods
  • Increase stock levels to keep up with demand
  • Build a new website or boost your marketing
  • Invest in new equipment, tools or technology
  • Purchase extra stock to cover seasonal demand
  • Meet BAS or ATO obligations
  • Manage cash flow

In action

Using a $50,000 loan to purchase stock at a great price on a 12-month term, a retail business could earn an additional $48,000 in margin in 12 months. The loan cost $19,000 yielding a net profit of $29,000.

Scenarios

Homewares Retailer

Opportunity: The store needed to pay in advance for extra stock for Christmas trading to secure a discounted price and maximise revenue opportunities.

Solution: With an ATO debt, traditional lending wasn’t an option. A loan of $30,000 helped the store owner purchase bulk stock at a 40% discount and run a sales promotion – generating ROI of 13%.

Restaurant

Opportunity: The owner needed funds to refresh the restaurant with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the restaurant was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone.

Medical

Opportunity: The clinic needed $75,000 to upgrade high-tech equipment.

Solution: A previous loan to update digital x-ray equipment improved the clinic’s yield threefold. This time, the funds were used to upgrade ultrasound equipment.

SME Finance Group can also arrange Debtor Finance and Invoice Finance facilities that can help your business grow.  Increasing sales generally results in increased debtors so you need a facility that will provide flexible limits to accommodate growth.

Apply in Minutes. Fast. Easy. Efficient. Loans for Small Business.

Grow your business and manage your cash flow with an unsecured business loan. Get the working capital you need in your bank account in as little as ONE business day. Trusted by thousands of Australian small businesses.

  • Free to apply, no obligation. 
  • Fast and easy access to funds
  • Borrow between $20,000 and $500,000
  • 3-36 month terms, cash flow friendly repayments.
  • No penalty for early repayment
  • You could have funds in your account tomorrow.

All you need is:

  • Trading for at least 12 months
  • Minimum $50k/month revenue
  • Use for most business purposes

  1. *
    Please enter your firstname
  2. *
    Please enter your last name
  3. *
    Please enter your phone number
  4. *
    Please enter your email address
  5. *
    Please enter your business trading name
  6. *
    Please make a selection
  7. *
    Please enter loan amount
  8. *
    Tick the box
  9. *
    Invalid Input

SME Blog & News

How to protect your business and your customers from scams

When you pay a supplier or service provider, are you certain you’re paying the right account? You’ve got to be super careful these days, as scammers are compromising inboxes and requesting payments to a new account. Here’s... More...

Open banking is ramping up, so how are lenders using your data?

Open banking is here and it’s charging full steam ahead. So just how are lenders and fintechs using your shared data in this brave, new, data-fuelled world? A new report has shed some interesting insights. With all that’s gone... More...

Wheels in motion: RBA paves the way for early cash rate rise

Mortgage holders are facing a sooner-than-expected cash rate rise after the Reserve Bank of Australia (RBA) revised its outlook due to the economy bouncing back strongly from the Delta outbreak. So just how soon can we expect a rate... More...

Netflix and too chill: house hunters cutting corners on inspections

More than half of Australian house hunters spend the same amount of time inspecting a property as they do watching an episode on Netflix, according to new research. We get it. You see a house you like and you immediately want to... More...

Affiliates and Associations

College Capital             afca      FBAA3      afca       geoff lovett logo