Business Loans
we’ll make business loans easy for you, because
Your energy belongs in your business, not chasing approvals.
For many Australian business owners, the hardest part of running a business isn’t the vision, it’s managing cash flow, buying equipment, or getting the funds to take on new opportunities. Banks often make the process complicated with strict requirements, confusing terms, and long waits.
At Lodestar Finance, we cut through the noise and make it simple to access the funds you need, so you can focus on what really matters — growing your business.
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How It Works
Business lending in Australia is designed to give you flexibility, but lenders all play by slightly different rules. Here’s what to expect:
Show Your Cash Flow
Lenders want to see how your business handles repayments when things tighten, not just when times are good.
Offer Security (If Needed)
Depending on the loan size, you may need to secure it with business or personal assets.
Get the Right Structure
From overdrafts to term loans, the loan type matters just as much as the rate.
Approval Times Vary
Some lenders can approve quickly, others take weeks. We match you with the ones who move at your pace.
Who’s Eligible?
Be operating as a registered business (sole trader, company, trust, or partnership)
Provide recent financials, often 12–24 months of statements
Show a good credit history (business and personal both count)
Explain the purpose of the loan (growth, equipment, cash flow, etc.)
For some products, have assets to use as security
What Can You Use It For?
Business loans are flexible and can be used for almost anything that helps your business grow, such as expanding into new locations, buying vehicles, equipment, or machinery, covering short-term cash flow gaps, investing in staff or stock, or restructuring debt for a better deal.
They can also give you the breathing room to take advantage of new opportunities without putting everyday operations on hold.
With Lodestar Finance
You don’t have to figure it out alone! We'll help you with:
Check Your Eligibility
We’ll review your situation and confirm if you qualify for the loan options available.
Find the Right Lender
Not every bank has the same rules. We compare across the market and connect you with lenders that actually suit your needs.
Handle the Paperwork
Applications, documents, deadlines — we manage the details so you don’t have to stress about missing a thing.
Guide You Every Step
From the first chat to settlement day, you’ll have real experts explaining your options in plain language and making sure everything runs smoothly.
Loan Types You Can Choose From
FAQs
Frequently Asked Questions
It depends on your cash flow, credit history, and whether you have assets for security. Some lenders offer unsecured loans up to $250k, while larger secured loans can go much higher.
Not always. Smaller loans may be unsecured, but bigger amounts often require security like property, vehicles, or business assets. We’ll help you explore both options.
Some lenders give same-week approvals, while others take a few weeks. It depends on the loan type and how ready your paperwork is. We make sure nothing slows you down.
It can be trickier, but not impossible. Some lenders will look at your personal income, projections, or even use asset finance instead of traditional loans.
A term loan is one lump sum you pay back over time. A line of credit works more like a business credit card — you draw down funds as you need them.
Yes. Business loans can cover almost anything: wages, stock, bills, marketing, or even tax. The key is explaining the purpose clearly to the lender.
It makes things harder, but not impossible. Some lenders are more flexible than banks. We know where to look if your credit history isn’t perfect.
Banks only show you their products. We compare multiple lenders, structure your application the way they want to see it, and often get you approved faster (and for a better deal).