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Helping Melbourne small business owners access flexible loan options for growth and cash flow

Small Business Loans in 48 Hours

Unsecured Business Loans From $10K to $250K Approved – No Bank Delays, No Endless Paperwork.

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

Beyond the Big Banks – Why VOXFIN Is Different

$10K to $250K Fast Funding

Borrow what your business needs quickly

Approved in 48 Hours

We deliver firm decisions within two days

Low Doc-Friendly

Self-employed and startup specialists

Flexible Repayment Terms

Loan structures focused on cash flow

Startup? Sole trader? Established SME? No matter what you are, we understand timing is everything when running a small business in Australia.

VOXFIN has the best business loan finance brokers to help your small business thrive with streamlined business loan services. Connecting you with a panel of 40+ specialist lenders, we bypass the standard bank box. 
We secure low-interest loans for you with minimal paperwork and maximum flexibility, so you access capital exactly when you need it.

Trusted Australia-wide with a 5-Star rating, VOXFIN is best known for delivering fast, transparent finance that bypasses traditional bank delays. Our specialist small business finance experts ensure you get the sharpest rates without the endless paperwork. We specialise in solving complex financial hurdles with expert loan structuring.

Faster approvals, flexible terms, minimal paperwork.

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What is a small business loan?

Small business loans come in various types and are used for different purposes. Whether you need to expand your business or address cash flow issues, VOXFIN’s small business loan brokers will find you the best small business loan options suitable for you. Small business loans can be secured by assets like property or unsecured, with unsecured loans generally having higher interest rates.

What can you use a small business loan for?

  • Get additional cash flow to support your expanding business
  • Prevent missing out on any deals due to lack of funds
  • Help you through unforeseen or unfortunate situations
  • Assist in paying for urgent repairs or renovations for your business

Invest in a business

Acquiring an established business or franchise or revitalising your current location can help you get off to a flying start.

Buy new equipment

We can get you fast and quick small business loans from office supplies to larger machinery.

Small business loan brokers assisting entrepreneurs with tailored funding and lending solutions

Build your brand

Launching your brand into the market comes with various costs, from social media campaigns to eye-catching promotional flyers.

Build tech infrastructure

Upgrade your business with the latest technology! Whether it’s inventory management or customer records, a small business loan can give you the boost you need to stay ahead.

Manage seasonal cash flow

For the peaks and valleys in your business, a small business loan will help you navigate slower months without cutting staff or delaying crucial supplier payments. Ensure you maintain consistent operations year-round and seize opportunities even during off-peak seasons.

Are you ready to fund your business growth?

Call 0435 393 623
business eligible

Is your business eligible?

  • Minimum 1 year in active business
  • Earning at least $100,000 in annual sales
  • Make sure your business credit score is at least 500!
  • Maintain a clean financial record with no history of bankruptcy, past or present

Why miss an opportunity just because you lack funds? Whether it is an urgent repair, an unforeseen situation, or a deal that requires immediate capital, we ensure you get the boost you need to stay ahead!

How much can you borrow with a small business loan?

Small business loans range from a minimum of $10,000 to a maximum of $250,000. The borrowing amount is determined by the business’s ability to make weekly repayments. When business owners encounter cash flow or working capital needs or require additional funds to support the business growth, they must have swift and uncomplicated access to financing.

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No Assets Required

We don’t ask for security over your assets, but we do need your personal guarantee.

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Flexible Payment Options

Experience flexible repayment options with small business loans, offering weekly repayments over 6-24 months.

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Receive Funding Fast

Once approved for a small business loan, you could have access to the funds in as little as 2 business day.

What you need to apply

Standard requirements

Active ABN/ACN (minimum 6 months) and proof of identity are all you need to start the conversation.

Low doc flexibility

No tax returns? We can often secure approval using just BAS summaries or business bank statements.

At VOXFIN, we prioritise your time, not your paperwork.

Our brokers specialise in alt doc business loan solutions, meaning we look at your current cash flow and business potential rather than just the past tax data.

Why choose VOXFIN for your small business loan

Access to 40+ lenders

We compare dozens of specialised and non-bank lenders to find the lowest rates and most flexible terms.

Strategic loan structuring

We do not just find you a loan; we structure it to maximise your tax benefits and preserve your daily cash flow.

Industry-specific expertise

Whether you are in construction, retail, or professional services, we understand your specific industry’s cycles.

Zero upfront costs

You pay absolutely nothing until your loan is successfully settled. We provide expert advice with 100% transparency.

Check Your Eligibility Instantly
Team providing personalised lending advice to help small businesses secure the right finance

For Small Business Loans, you are choosing VOXFIN for:

  • Fast approvals
  • Low doc to no doc small business finance
  • Internally negotiated low-interest small business loans
  • Personalised small business finance solutions
  • The best business finance broker in Australia will guide you throughout the loan process
  • Our clients’ high satisfaction ratings made us Australia’s best business finance broker
Contact Us

VOXFIN’s 3-step approval process

Quick consultation

Tell us your goals. We shall assess your borrowing power across our entire lender panel within hours.

Tailored match

We present the top 2-3 loan options that offer the best rates and repayment flexibility for your business.

Fast funding

Tell us your goals. We shall assess your borrowing power across our entire lender panel within hours.

Start Your Application Now

Frequently Asked Questions (FAQs)

Questions and queries related to Small Business Loans

HOW FAST WILL I RECEIVE THE FUNDS AFTER THE LOAN IS APPROVED?
Once your business loan is approved, you could receive business funds in 2 hours.
WHAT IS A SMALL BUSINESS LOAN?
Small business loans are unsecured loans ranging from $10,000 to $250,000, with terms of 6 to 24 months to 20 years. They are ideal for promptly addressing unpaid invoices, overcoming cash flow barriers, and bolstering working capital.
HOW LONG DOES IT TAKE TO GET MY SMALL BUSINESS LOAN APPROVED?

If you’d like to apply for a small business loan, give us a call or submit your details through the www.VOXFIN.com.au website. One of the expert business loan brokers will contact you within 4 hours. We can respond within a day once we receive your documents and learn about your situation.

WHAT ARE MY SMALL BUSINESS LOAN BORROWING LIMITS?
Small business loans range from $10,000 to $175,000, and you could get approval in as fast as 4 hours. More complex and larger loans, ranging from $175,001 up to $250,000, can be assessed and funded in as fast as 24 hours. Depending on your current situation and the lender’s policy, you could get a higher amount.
HOW DO REPAYMENTS WORK WITH SMALL BUSINESS LOANS?

Small business loan repayment terms range from 6 to 24 months or longer. Loans are repaid automatically through a fixed weekly debit to your business account. To learn more about small business loan terms, call 0370652000.

How fast will my small business loan be approved?
We typically deliver a firm decision within 24 to 48 hours. Once approved, funds can often be in your account by the next business day.
Do I need to provide property as security?
Not necessarily. We offer unsecured business loans up to $250K allowing you to access capital without using your home or business assets as collateral.
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WHAT ARE THE SMALL BUSINESS LOAN INTEREST RATES AND FEES?
Lenders offer a range of interest rates for small business loans, which are determined based on your business credit score and financials. Depending on your business credit rating, the small business loan interest rates could be commensurate with bank lending or as high as a business credit card. An origination fee of 3% applies for new customers and 2% for renewal customers. There is no application fee or obligation to take a loan.
AM I QUALIFIED FOR A SMALL BUSINESS LOAN?
Established businesses must meet the following criteria to qualify for a short-term loan: a minimum gross annual turnover of $100,000, at least 1 year in business, no recent bankruptcy history, and a minimum business credit score of 500.
DO BUSINESS LOANS RELY ON PERSONAL CREDIT CHECKS?
We will perform a credit search on both your commercial and consumer files. According to the current Equifax guidelines, this will create a record of the inquiry on your Equifax Commercial and Consumer report, but it will not impact your credit score.
HOW DO I CHECK MY BUSINESS CREDIT SCORE?

Various online credit check services are available for free. Equifax is the most used by lenders; it’s free.

Can I apply with low doc or no tax returns?
Absolutely. We specialise in low doc solutions where we assess your business based on BAS and bank statements rather than full historical tax returns.
Is there a minimum ABN requirement?
While most lenders prefer an ABN active for at least 6 months, we have specialist partners who work with startups and newly established enterprises.
Can I use the loan to manage seasonal trading gaps?
Absolutely. Our loans are designed to help you navigate the highs and lows of business, ensuring you maintain operations during slower months.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the small business finance experts at VOXFIN. We can assist you with all types of small business loans as well as other business financial lending needs, such as asset finance, debt consolidation loans, car loans, commercial loans, and insurance.

Additionally, we can assist with organising financing to start or grow your business and fund your assets.  
About Us

Expert small business loan brokers at VOXFIN are here to help you with all types of business loans.  We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate.

About Us

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.

About Us

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

VOXFIN’s expert small business loan brokers have deep knowledge and experience in business lending, enabling us to simplify the loan process and suggest a suitable strategy for accessing business loans. We work hard for you with honesty, transparency and genuineness so that we can build a long-lasting professional relationship.

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    What Our Customers Say

    Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

    - Ketan Patel

    Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
    Highly recommended.

    - Haris Khan

    VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

    - Maria Thomas

    VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

    - Shino Varghese
    Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!
    - Aditya Mushnuri

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