Small Business Loans
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

    Do you have a pile of unexpected bills building up? Has your lease expired and you have the cost of new premises to find?. Have several pieces of equipment decided they need a repair all at once? Is it holiday time and staff leave pay must be found? Are you behind with the ATO payments? Whatever the additional expenses are, is there going to be a problem with your cash flow?

    SME Cash understands these additional expenses that concern the Small Business Enterprise and which can affect its ability to thrive and prosper.

    The Small Business Loan helps you meet your working capital requirements plus can help your business move ahead and grow. The loan is for anything that assists with the day to day operations directly related to your particular type of business. Alternatively, you may require a loan for a particular purpose that could be best matched to one of our other financial solutions. If you know what you are looking for you can click apply now or find out more information.

    Equipment Finance – Get the equipment your business really needs for its growth and to meet new technology. KNOW NOW how much you can borrow and what it will cost. No commitment. Click the Apply Now button to start.

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    Auto Finance – Being on the road is an important part of much small business life. Roadworthy vehicles are a must for driver safety, fuel efficiency and business image. Upgrade your vehicle now.

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    Business Loans – Bills to pay? Get on top of the cash flow crisis. SME business loans are for all sorts of purposes relating to your business, innovation and jobs.

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    Trade Finance –Accelerate cash to increase your global trading

    • Importing: When trading internationally, no doubt there are unique products or great deals that would be advantageous to your business. SME Cash import finance gives you increased buying power.

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    • Exporting:Up to 90% of your export goods can be funded. These can be manufactured items, special ‘one off’ orders or finished items. All part of our Export Finance solution using an invoice finance facility

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    Inventory Loans – The loan that helps to keep extra stock on your shelves - no more lost sales. Plus helps the business do better deals, increasing gross profit that can fund your business growth.

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    Insurance PremiumPay – No need to pay your annual insurances in one lump sum, this can leave a dent in your cash. SME Cash provides an instalment loan spread over a 12-month period.

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    Invoice Finance - This facility releases the cash sitting unused in your receivables ledger. This accelerated money immediately increases working capital, supports business operations, growth and employment.

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    Business Line Of Credit (BLOC) - Turnover from $150K-$2M? BLOC might be right for you. The BLOC works like a revolving line of credit against your receivables book, which means it gets topped up every month. Monthly flat management fee.

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    Bills to pay? Get on top of the cash flow crisis.

    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, Daily, Weekly or Monthly to match your Business.
    • 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.

    © 2019 SME Cash Pty Ltd