Business Lending
Business Lending – For any acceptable business purpose. Not just a loan – a totally flexible solution

    KNOW NOW what you qualify for and what it will cost or
    Browse our multiple finance solutions

    SME Cash – in the business of lending money for more than twenty years, it understands that a business can need money for many reasons over its lifetime PLUS need it NOW.

    Examples of these reasons could be: - a quick loan to pay an unexpected bill – purchase new equipment –buy/import stock – or long-term use of receivables (Invoice Finance) to avoid holding up daily business whilst waiting for payments.

    Whatever the reason SME Cash “One Stop Finance Shop” has the solution, multiple products to make sure you get the best for you !

    Equipment Finance

    Business Lending Get the Tick of Approval FAST

    Equipment Finance – Looking to grow your business, create more jobs and increase your competitive advantage? Buy the equipment your business needs to get ahead. Loans from $3K. Apply Online and KNOW NOW.

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    Auto Finance – Do you need a fleet or a car for a company representative? Give your customers the image of a good, sound business. Receive funds to upgrade or add to your fleet. Loans from $15K.

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    Business Loans –This is a shorter-term loan compared to our other solution. It’s generally associated with expenses such as repairs, bills including the ATO, payroll growth, costs related to business expansion and pre-export finance. Loans from $5K.

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    Trade Finance –Living in a global world means we export and import

    • Import: Need cash to take on great deals? SME Cash Import Finance gives you the opportunity to negotiate the price for the products you are looking to purchase. Loans from $25K. Apply Online and KNOW NOW what you could qualify for.

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    • Export: SME Cash provide you with an Invoice Finance Facility as part of your Export Finance solution. Improve your cash flow so that you can meet your financial obligations. Loans from $25K. Apply Online for Invoice Finance (Export).

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    Inventory Loans – Are you a wholesaler or retailer? Do you need extra stock or inventory to be sold during peak seasons? Inventory Loans are useful for businesses impacted by seasonal fluctuations. Loans from $5K. Apply online.

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    Insurance PremiumPay – SME Cash offers insurance premium funding instalments for all your business insurances. This facility can be used progressively at different times of the year. Loans from $3K. Apply Online.

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    Invoice Finance - Do you want to expand or have other ambitious plans? It’s hard to see money tied up in receivables when it could be used for business growth. SME Cash can advance up to 90% of this money. Apply Today.

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    Business Line Of Credit (BLOC) -Have receivables and annual turnover less than $2M? Increase your working capital to help your business grow PLUS supports your cashflow. Monthly flat management fee. Loans from $25K. Apply Online.

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    Importantly, all SME Cash limits can act as a revolving line of credit. Businesses can use the loan at their own convenience by drawing down any amount up to their limit. As the loan is reasonably paid back a new limit is available to redraw. A simple uploading of your financials to the BusinessCentre is needed and our team will look after the rest.


    • Flexible repayment options available.
    • Qualify for a Business Loan and all SME Cash finance solutions within 5 minutes by answering a few simple questions
    • Paperless & 100% online application process makes for secure and fast processing
    • Loans from $5,000
    • SME Cash can payout other lenders to consolidate existing debts


    • In business and registered for GST at least 2 years
    • Subject to SME cash credit assessment
    • Optional Invoice Finance facility (Should have account receivables) or security over the business is required for Loans above $50,000

    © 2019 SME Cash Pty Ltd