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Achieve your
2020 vision

Gain insights to plan for the year ahead

Meet the visionaries

Bring your ambition into focus

Visionaries have one thing in common. They see opportunities that others don’t and have the courage to back themselves.

How will you translate your vision into reality?

Meet some of Australia's visionaries

There’s no formula for success. But you can gain inspiration and insights from some of the great minds behind the good businesses we back.

Luke Swenson, The Bearded Chap

“We’ve had everything you could possibly throw at you for a startup. Cash flow is probably the biggest one. We’re always balancing cash flow. In our industry, if you don’t have cash and you don’t have inventory, you’re pretty much done.”

The Bearded Chap is now thriving with products stocked in barbershops in over 120 countries.

Bek McMillan, Gourmet Living

“I started the year with a little bit of a cash flow gap, and really needed some funds to increase my inventory in the store, and to be able to start the year full of amazing stock.”

Gourmet Living has grown to become the go-to store for the best range of locally produced, gourmet food and gift hampers.

Melanie Townsend, Vanilla Zulu

“The best advice I can give to someone who’s thinking whether they should grow or stay is, definitely do a business plan. It’s a big amount of work to move premises or to grow.”

Mel’s move to a larger space has set her business up for the next decade, but completing a business plan was a crucial first step.

Vision without action is just a dream

Download our purpose-built tools including inventory and cash flow management checklists, and a business plan template to get your business set for the year ahead.

Funding your vision

The need for working capital is crucial for a business’s day to day operations and growth. A business loan can help you with:

Business Cash Flow Loans | Moula

Purchasing inventory

Stay on top of supply and demand to attract new and returning customers throughout different buying cycles.

Business Inventory Finance | Moula

Cash flow management

Ensure you have enough cash to keep your business ticking along through the ups and downs.

Plan For The Year Ahead | Moula

Planning for the year ahead

Whether it’s to expand into new markets or better promote what you sell, access to funds fuels growth.

Business Loan FAQs

To be eligible for a Moula loan, you will need to have:

  • An ABN or ACN
  • Been in business for at least 6 months
  • At least $5,000 in monthly sales

You can borrow between $5,000 and $500,000. When you apply, we’ll let you know how much we’re able to lend based on your business’ data.

With Moula, there are no hidden fees and no hassle. We have no establishment (upfront) fees, no transaction fees, and no penalty for early repayment.

The only thing we charge you is a simple interest rate applied against your outstanding balance.

We provide a very clear loan schedule setting out repayments and timing. Check out our business loan calculator where you can get a clear picture of how much you’ll pay for the amount you wish to borrow, and download a sample repayment schedule for yourself.

A big difference between Moula and other lenders is that we don’t charge any sneaky additional fees whatsoever. We keep our pricing totally transparent, so you know exactly how much our business loans cost.

Check out our business loan calculator where you can get a clear picture of how much you’ll pay for the amount you wish to borrow, and download a sample repayment schedule for yourself.

You can apply online in under ten minutes, and we’ll contact you within 24 hours to let you know if you’ve been approved. If your loan is approved, the funds will be in your account within 24 hours.

By linking your business’ data to Moula, we can view your transaction data and make a decision in minutes; much faster than banks, which can take 6 to 8 weeks to process an application. Our platform is also built for small and medium businesses, which means we’re able to approve thousands of businesses which banks reject.

Unlike a traditional loan, we’ve also eliminated the fine print, hidden fees, and complex paperwork. This means you understand what’s going on at every stage, and know exactly what your loan agreement means. We’re here to help grow your business, not hold it back.

Once you’ve told us who you are and given us to access your business data, we can make a responsible lending decision based on factors such as business profile, time in business, and transaction volume.

Yep, as with traditional lenders, we’ll check your credit score to help us make a responsible lending decision. We’ll always ask your permission before running a credit check.

Not much. Once you’ve permissioned us into your banking or accounting data, we can make our decision fast.

To comply with relevant law, we’ll also need your ABN or ACN, and we’ll also collect some personal, business and credit information along the way.

Moula’s here for the business community, not for the consumer. As such, we’re not licensed to provide consumer credit and need to be certain that any funds provided are for business purposes.

For more frequently asked questions, please click here.

Win 2020 for your 2020 vision | Moula

If you apply for a business loan between 1 November 2019 and 30 January 2020, you’ll go into our draw to win $2020 to help you get a few more steps ahead in 2020. One lucky customer will be drawn monthly. Terms and conditions apply.

Easy to apply.
Simple as 1, 2, 3.

Apply for a business loan online in just ten minutes, by following these three easy steps:

1
Business Loan Details | Moula

Get started

Complete some basic business and personal information to get started.

2
Link Business Loan Data | Moula

Link your data

Link your online banking or accounting data, and we’ll determine how much we can lend.

3
Get Business Funds | Moula

Get funds fast

Once approved, provide us with your preferred business bank account, and we’ll have the funds to you fast.

Ready to go?

To get started, all you need is:

  • An active ABN or ACN
  • 6+ months in business
  • $5,000+ in monthly sales

Get started
Guy Lewis - Essential Food Services, Adelaide

Have questions? Our friendly team is available
on 1300 88 59 93 weekdays 8am - 7pm AEST

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