Business Loans

Bank upon EFT capital for all types of business fund requirements. We are with you to help you grow your business. Get in touch with us and take the loan that your business deserves at best possible rates.

Fulfill your professional dreams with our business loans. Obtain the loan that your business deserves at best possible rates

Small Business Loans

Businesses obtain bank loans with the expectation of utilising the fund more shrewdly so that it can yield profit.

Contingent upon where and how the loan starts, obtaining unsecured business loans can be very costly, as business loan interest rates and expenses are related with every loan.

Organisations can and ought to compute the measure of complete interest that will be paid over the course of loan before accepting one.

For further information, please enquire online, apply online or call 1300 722 744 today!

Reasons To Choose A Business Loan

Working Capital

Fitout & Renovations

Marketing expenses

Business expansion

Purchase inventory

Lease funding

Purchase equipment

Cash Flow shortfall

Business Expansions

  • Your work areas are busting at the creases, and there is no room for your assistant then it’s time for you to shift to a better physical location. And if you run a café or restaurant, and have a larger number of customers in and out that are finding it difficult to fit comfortably in your space.
  • Just because you are ready to expand that does not mean you have the necessary amount you need to make it happen. You may require a term loan or instant approval loans online to back your enormous move.
  • Before falling into any commitment, find a way to measure the expected changes in income that could emerge out of growing space. Would you be able to take care of your loan costs and still be able to earn profit? Utilize a revenue forecast alongside your current asset to check how the move would affect your main concern.

Business Equipment Funding

  • Investing in equipment that can improve your business offering is an easy decision for financing. You need specific machinery, IT gear or different instruments to make your product or play out your administration, and you need a loan to financially support that equipment.
  • In addition, in the event that you take out equipment financing, the equipment itself can fill in as collateral for a credit -similarly to a car loan.
  • Before you take out an equipment loan, ensure you’re isolating the ‘NEEDS’ from the ‘WANTS’.

Building Credit For The Future

  • In case you’re looking for a large-scale financing for your business in the next few years, the preference will be given to starting with a short-term loan that can build your business credit.
  • Startups will find it difficult to qualify for larger loans if both the business and the proprietors don’t have a strong credit history to report. Obtaining a small business loan and making standard on-time instalments will build your business’ credit for what’s to come.
  • This strategy may likewise assist you in building relationships with a particular moneylender, giving you an association with a benefit to go back to when you’re prepared for that bigger loan.
  • Be cautious and don’t apply for a loan if you can’t manage. One late instalment from your hand on your small business loan could minimise the chances of qualifying for future funding.

Business Inventory Purchases

  • Inventory is perhaps the greatest cost for any business. Like equipment buys, you have to follow the demand by renewing your inventory with ample and excellent choices. This can result in trouble when you have to buy a lot of inventory before accepting a return on the investment.
  • Particularly in case of an occasional business, there are times when you may need to buy a lot of inventory without the money available to do as such. Slow seasons go before holiday seasons or tourist seasons – requiring a credit to buy the inventory before making a benefit out of it.
  • So as to measure whether this would be a calculated and wise financial move for your business, make a sales projection dependent on past years’ deals around that equivalent time. Figure the expense of the obligation and compare that number with your absolute projected sales to decide if taking an inventory loan is a smart financial decision.
  • Remember that marketing figures can fluctuate broadly from year to year, so consider various years of sales figures in your projection.

New Business Opportunities

  • Once in a while, an opportunity to succeed and grow falls into your lap that is simply too acceptable to consider passing up – or so it appears, at any rate. Possibly you get an opportunity to order inventory in mass and that’s too at a discount, or you found a take on an extended retail space. In these instances, deciding the return on investment needs gauging the cost of the loan versus the income you remain to generate through the available opportunity.
  • Always try to be careful with your calculations. Business persons have been found guilty of underestimating true costs or overestimating benefits as a result of over-eagerness.
  • When calculating the upsides and downsides, figure out a revenue estimate to confirm that you are making your decisions on the basis of hard numbers rather than following your gut instinct.

Loans To Expand Business Team

  • When working at a startup or private company, you wear a ton of caps. However, there comes while doing the accounting, fund raising, advertising and client support may begin to wear on you – and your business. If your little group is doing an excessive number of things, something will in the long run become lost despite a general sense of vigilance and can hamper your plan of action.
  • A few organisations decide to put their cash in their talent, accepting that this is one approach to keep their business competitive and inventive. This can be an incredible move, if there’s a reasonable connection between the hiring decision and an increase in revenue.

Components Of A Small Business Loan

Small business loan are pretty straightforward, but there are five important components that you need to be aware of:


The total amount borrowed.

Interest Rate

Rate (%) that you will repay your loan.


The length of your loan.

Length Of Loan

How frequently you make your loan repayments. I.e. weekly, fortnightly or monthly.

Fees / Charges

Additional expenses you must pay on your loan. Your lender should always be upfront about the charges.

Why Choose EFT Capital for Your Small Business Loan?

At EFT Capital, we provide you with the best of both worlds. We offer both secured and unsecured small business loans, but they also take place on a short term basis, with terms of 6 months-3years. We offer loan amounts of $2000 to $20000 giving your small business the quick injection of cash it needs to thrive.

As a small business ourselves, we know just how valuable and limited your time is, which is why we also offer a fast and simple application process that can be completed online within just minutes. Once approved, your funds will be deposited the following business day, helping you to put it to good use ASAP.

Loan amount Secured options Loan term
$2000 – $10 000 Unsecured or secured 6 months to 3 years
$10 000 – $20 000 Secured only 6 months to 3 years


$2,000 $20,000
26 weeks156 weeks
Your repayments are every weeks

The information which you calculate from this calculator is intended for use by you as a guide only. It is not an offer and has no legal effect on any contract entered into by you 'the client'. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any loan, we will make our own calculations. All repayments are displayed 'are guide only', repayments as a result of this simulation have no legal offerings. EFT Capital accepts no responsibility for any losses arising from any use of or reliance upon any calculation or conclusions reached using the calculator. Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply.

Total you will Pay:

Check your eligibility

Apply For Business Loan Online

Submit an application online. Apply Now

Upload all your supportive documents to your application or you can email it directly to us: Documents will be 2 payslips, 3 month bank statement, copy of driver’s license or passport, medicare card or bank card

Our loan specialist will review your application and contact you to discuss

If approved, loans terms will be provided and contract issued

Client to sign contract electronically or manually

Funds transfers to your bank account

Frequently Asked Questions


Yes, as a responsible lender we will preform a credit check. EFT Capital assist people that have bad credit or no credit rating at all. We current use the below Credit reporting body:
Fees and interest are subject to a full assessment being conducted. Our friendly staff member will be able to provide you with repayment amounts once a assessment has been completed.
If you are a new client there is good chance our team will contact your employer to verify your employment. We will be very discreet and not disclose any personal information about your loan application.
Our loans range from $2000 - $20000 Please note all loans over $10 000 will have to be secured by a motor vehicle. If we are unable to provide you with the loan application you requested, we will look at offering you a reduced amount. A further explanation will be required to ensure the reduced will be suitable for your needs.