Maxfunding Company Logo

Business Loans up to $1 Million

Fast, simple and no fees

Bad credit? OK! New business? OK! Decision in five minutes An alternative to banks
Open For Business+(4)

Get pre-approved within 5 minutes

David Test V6

By submitting, I accept the Privacy Policy and Terms of Service.

MaxFunding is recognised by trusted providers

Logos of three websites. From left to right: The Sydney Morning Herald with the URL "smh.com.au" and the text "The Sydney Morning Herald" beneath it; FINANCIAL REVIEW; and finder.com.au with a magnifying glass icon.

We are trusted by thousands of Australian small businesses

A green, circular icon with a dollar sign in the center. The background consists of various shades of green, divided into segments, with one white segment, resembling a pie chart.

$142,546,168

Funding Requested

We have assisted thousands of Australian businesses with millions in funding.

small businesses

8,596+

Businesses Funded

We are dedicated to assisting business owners with their financial needs.

industries we have worked with

131

Industries Covered

Max Funding serves all industries operating in Australia.

How maxFunding works

An icon of a clipboard with a piece of paper attached. The paper displays a simplified image of a person, accompanied by lines of text indicating information, suggesting a document, profile, or resume.

Step 1

Fill out our online pre-approval form - it'll take only a few minutes to complete.

An icon of two overlapping sheets of paper, with grey outlines and light blue accents. The front sheet has three horizontal lines, suggesting text, while the back sheet peeks out from behind, indicating duplication or document-related functions.

Step 2

Upload a few documents from your mobile or computer - make sure they are legible.

stack of money

Step 3

Sign the contract, sit back and wait for the money to be deposited into your account, once we have done our final checks.

Business loan solutions

As a SME ourselves, we designed our loan products to be hassle free, easy and quick so that you can go back to do what you do best. Our small business loans are catered for daily operational hiccups such as cash flow, paying wages and marketing costs.

Small Business Loans

Small business loans provide essential financial support, enabling entrepreneurs to fund operations and invest in growth opportunities.


Key features/benefits:
From $3,000 to $50,000Bad credit? OKNew business? OKVehicle only? OK

Startup Business Loans

Startup business loans can be a critical lifeline, offering new ventures the necessary funds to turn innovative ideas into reality.

Key features/benefits:
From $3,000 to $30,0001 month term OKFlexible repayment optionsEasy eligibility

Bad Credit Business Loans

Bad credit business loans extend a crucial financial opportunity to companies with less-than-perfect credit histories, enabling them to secure funding.

Key features/benefits:
From$10,000 to $50,000Highly mortgage property OKBad credit? OKTop up available

Caveat Loans

Caveat loans provide a fast and flexible financing option, allowing businesses to leverage equity in real property as security for quick access to funds

Key features/benefits:

 

From $10,000 to $100,000Settle within 1 to 3 business daysFlexible RepaymentBad credit? OK!

Short-Term Business Loans

Short-term business loans offer the advantage of quick access to capital, to address immediate expenses or capitalise on unexpected opportunities.

Key features/benefits:
From $3,000 to $10,000Same day funding OKEasy eligibilityNo financial? OK

Low Doc Business Loans

Low Doc Business Loans offer small business owners a easier pathway to funding, reducing the need for extensive documentation for those with limited financial records.

Key features/benefits:
From $3,000 to $30,000Easy applicationUp to 12 months loan termTax deductible interest

Equity Business Loans

Equity business loans allow companies to access capital by leveraging their own equity, without the need for traditional collateral or credit requirements.

Key features/benefits:
From $3,000 to $10,000Same day funding OKEasy eligibilityNo financial? OK

Unsecured Business Loans

Access funds without the need to pledge specific collateral, offering flexibility and speed in financing for growth or operational needs.

Key features/benefits:
From $3,000 to $30,000Easy applicationUp to 12 months loan termTax deductible interest

Franchise Loans

Franchise business loans are specifically tailored to meet the unique needs of franchisees, offering vital financial support for initial setup costs, equipment purchases, and operational expenses.

Key features/benefits:
From $10,000 to $100,000Settle within 1 to 3 business daysFlexible RepaymentBad credit? OK!

Let's compare MaxFunding with the banks

With years of experience, Max Funding understands the hassle of jumping through the hoops just to apply for a business loan at a bank, let alone the wait time for getting an approval. Let us do the comparison and be prepared to experience the difference!
The Banks
Loan Amount Borrow as little as $3,000 or as much as $1,000,000 Can't borrow less than $50,000
Application Process Easy application process, anytime, anywhere in Australia Tiring process and excessive paperwork-usually takes weeks for a result
Credit Requirements Small business and new business friendly, bad credit considered Business must be established for more than two years with extensive proof of profitability.
Approval Speed Swift approval, often within 24 hours, thanks to streamlined procedures. Typically slower due to extensive paperwork and approval processes.
Funding Purpose Freedom to use funds for any business purpose. Banks may have restrictions on how funds can be used.
Expert Guidance Expert guidance throughout the loan process to make informed decisions. Limited support and guidance from traditional banks.
Repayments Flexible to fit your budget Fixed large repayments.
Receive Money Under 24 Hours
No Financial Statements
No Tax Return/BAS
Transparent Cost
Designed for Small Businesses
*Information provided on fact sheet is for reference only as we can tailor products to your requirements. Please contact us for further information.

Getting a business loan

How long does it take to get approved?

You can get pre-approved in just 3 minutes with our smart system and a response within one hour during normal operating hours. You can choose to submit documents to speed up the verification process. Once signed contract is received and settlement condition fulfilled, the funds can be transferred to your account within 24 hours.

Am I qualified for a business loan?

If you are over 18 years, plan to open a business with ABN, chances are you are eligible for a business loan. We just require the funding to be used predominantly for business purposes.

What documents do I need?

Unlike traditional banks and lenders, we have made our application process hassle-free with minimal documents required. All you do is upload a few basic documents such as ID, asset documents (if applicable) and bank statements for verification. With our smart system, this can all be done with just your mobile phone. We’ll reach out if additional documentation is required.

Is it hard to get a business loan?

Not at all. For well established businesses, assets may not be required (unsecured business loan) as we consider the health of your business to determine credit worthiness. For new business loans and start up business loans, we generally require you to own a motor vehicle and/or real estate property and not part of any public debt agreement or bankruptcy.

Can two people get a loan together?

You certainly can and we generally encourage it. Applying with joint applicants can increase your chance of getting a loan and possibly increase your approval amount.
Three people sit at a table in a well-lit room, collaborating on a document. The woman on the left is smiling and holding a pen, the man in the middle is attentively looking at the paper, and the man on the right is explaining something. They all look focused and engaged.

What can I do with a business loan?

Can I get a business loan as a self-employed?

If you are self-employed, our low doc business loan will be the solution for you. You can access funds with less paperwork, less waiting time and more flexible payment options to suit your needs and situations.

Can I get a business loan as a sole trade?

Absolutely! All you need to do is to fill out our 3 mins online application form. Once you get the pre-approval decision, simply provide some basic documents for verification.

What if I don’t have a business yet?

No problem! We offer start up business loans and new business loans solutions. If you can dream it, we can help you to achieve it.

Your credit score and history

Does pre-approval affect my credit history?

Not at all. We can assure you we don’t ever look at your credit history when submitting application for pre-approval. All information that you provide to us is confidential and not shared with anyone or 3rd party.

Can I get a business loan with a bad credit score?

We have been providing bad credit loans to small businesses for 18yrs and believe everyone should get a fair go. Let us know of your situation and discover the solutions we can offer.
business-social-networking

Does personal bad credit affect my business loan?

Personal bad credit is not the end. We have catered our loan criteria to consider every application. We work with you to find a solution that works for you.

How can I repair my business credit history?

There are few ways to improve your business credit such as making payments on time, and keeping track of your credit records. We can definitely help with improving your credit score.

Business loan costs and repayments

What are your interest rates?

Our interest rates are kept as low as possible, with no hidden costs or fees, because we believe in full transparency. Our loans are designed specifically for small businesses like yours, ensuring competitive and fair rates.

Can I pay off early?

You certainly can and we welcome it. There is no penalties or charges for early repayments. Instead, if you can pay off your loan earlier, you will save some interest.

Is interest paid on a business loan tax deductible?

Definitely. If the loan is used only for business purposes, all cost associated with a business loan are tax deductable.
Three people having a discussion at an office desk. A man on the left is gesturing while speaking to a man and woman seated across from him. Papers and a laptop are on the table. In the background, two more people are working at desks.

Why Maxfunding?

We understand you and your business

With humble beginnings, we understand the struggles that small business owners are forced to endure. Helping Australian businesses grow is what we love to do. We do this through offering tailored solutions to businesses all over Australia.

We are the best alternative to banks.

Banks usually have long and difficult application with strict criteria. We provide an easy application process with pre-approval decision in less than 3 mins. What’s more, if you in a hurry, we are able transfer funds to you within the same-day if signed contract is received before 3pm AEST.

A more personal experience

Every business is different. At Max Funding, we offer different types of business loans tailored for different needs. Simply fill in our pre-approval form or contact us to find out how we can help you today.

Maxfunding business loan reviews

Our customers have given us 5-star ratings across the board. 

Check out our reviews; 619 happy folks on Reviews.io can't be wrong!

“Starting a tech company is no joke, especially regarding finances. Max Funding not only understood my industry but also my vision. They offered a flexible solution tailored to my needs. There is no collateral, no credit check drama - just quick, reliable funds to fuel my startup. I couldn't be happier with the support they've provided.”

Michael Rodriguez
Tech Startup Founder

“Running a retail business can be tough, especially with seasonal fluctuations. Max Funding stepped in when I needed it the most. Their low interest rates and personalised financial advice helped me navigate the challenging seasons without a hitch. I recommend Max Funding to every small business owner looking for a funding partner who genuinely cares about their success.”

Lisa Johnson
Retail Store Owner
“As a café owner, cash flow sometimes feels like a rollercoaster. That's where Max Funding came to my rescue. Their easy application process and lightning-fast approval were a game-changer. I got the funds I needed in no time, and now my café is thriving more than ever. Thanks, Max Funding!”
Sarah Thompson
Café Owner

Business loans up to $1 Million

Bring your dream to reality

Bad credit? OK! New business? OK!
Decision in five minutes An alternative to banks
David Test V5
Submitting this form, I consent and agree to the Privacy Policy and Terms of Service.