Commercial Loan
Business Loans – 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

    You have searched for a commercial loan. This loan is found within the Business Loan solution of SME Cash. Our general purpose business loans are designed to help meet your working capital needs and are very useful for funding expensive repairs, payroll, ATO and expansion costs.

    However, you may be needing a loan for a particular purpose (eg new equipment) and SME Cash has a One Stop Financial Shop with multiple financial solutions to meet your needs. In this case your Business Loan requirements will be best matched to one or more of these financial products.

    Click on apply now to get started or read more to find out more information.

    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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    Commercial Loan

    Increase working capital - get the bills paid now

    Another innovative benefit of your commercial loan is that it can be used as a revolving line of credit. Draw down amounts up to your limit and as you repay your loan, once a significant amount is repaid then a new limit can be available to you. This just requires an upload of your accounts.


    • Daily, Weekly or Monthly Payment options to match your business and revenue.
    • Qualify for a Business Loan and all SME Cash finance solutions including Invoice Finance within 5 minutes by answering a few simple questions.
    • Paperless & 100% online application process to ensure more secure and faster processing.
    • Loans from $5,000 to meet your business needs.
    • SME Cash can payout other lenders to consolidate existing debts, providing a more flexible solution for growth.
    • Loan terms are taken over 12 months.


    • 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.

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