SME Finance
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

    Every SME knows the unexpected bills that land on the desk. Perhaps it is necessary to move premises, maybe a piece of equipment needs some major repairs or several staff members take their holidays all at once. Whatever it is, the result is a big hole in the available cash.

    SME Cash knows this and offers a general purpose business loan to cover these kinds of contingencies so you can carry on your business without the worry.

    Our general purpose business loans can help your business get ahead and grow, while also helping to meet your working capital needs. These loans can be used for anything that assists with the day to day operations, as long as the expense is directly related to the business and is not unreasonable for your type of business.

    SME Business Loan

    Alternatively, your Business Loan requirement may be best matched to one of our other financial solutions. With our multiple product finance ‘shop’ we make sure you get the right solution for your needs. Click on the following to start your application 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. Apply with confidence.

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    Importantly, all SME Cash limits can act as a revolving line of credit. This means that businesses can use the loan products at their own convenience by drawing down any amount up to their limit. As the loan is substantially paid back, a new limit is available to drawdown.


    • 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.
    • General Business 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