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Let’s talk about a better business loan

  • Up to $250,000 with no asset required
  • Credit decisions within 24 hours
  • Apply online in 7 minutes


Our eligibility criteria are simple and transparent. We only conduct credit checks if we’re a good fit to help solve your finance needs.

An active ABN or ACN
6+ months in business
$10,000+ in monthly sales
GST registration1

Finance that works for you

Apply for a business loan in 7 minutes and get a decision within 24 hours.

Business Cash Flow Loans | Moula

Help with cash flow

Access working capital to keep your business running smoothly.

Purchase inventory

Scale your business with new tools, inventory, or equipment.

Pay For Overheads | Business Loans

Pay for overheads

Cover operating costs, including staff, utilities, and other bills.

Pay ATO Debt | Moula

Repay debt

Refinance business debt into manageable repayments.

Our business loan

  • Borrow $10,000 – $250,000
  • 12 – 24 month loan terms
  • No asset security required

  • Apply online in 7 minutes
  • Credit decisions within 24 hours

Request a callback

Leave your details and a business lending specialist will be in touch. Alternatively, if you’d like to chat to someone right now you can give us a call on 1300 88 09 72 or use live chat.

Mobile or landline incl. area code

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We look after our customers,
but don’t take our word for it

White Clover | Backed by Moula

Watch how White Clover created an Australian-first service

Scratch | Backed by Moula

Discover how Scratch built a business for pup and planet

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

Apply for a business loan online in just 7 minutes, by following these three easy steps:

Business Loan Details | Moula

Get started

Complete some basic business and personal information to get started.

Link Business Data | Moula

Link your data

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

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.

Have questions? Our friendly team is available
on 1300 88 09 72 weekdays 9am - 5pm AEDT

Business Loan Basics

There are many uses for a business loan. You may want to grow your business, improve your cash flow, or purchase inventory.

When looking for business finance, many credit products are available, including term loans, business overdrafts, a line of credit, business credit cards or equipment finance. Some of the key questions to ask include:

  • What is the interest rate? Is it a fixed rate or variable rate?
  • What are the loan terms?
  • What are the repayments like, and will I be able to repay the loan?
  • What are the terms and conditions?
  • Are there any hidden fees, including early repayment fees?

Getting a business loan can be a long and complex process. With a bank loan, for example, you will have to complete a large amount of paperwork and might need to provide complex documents, such as a business plan. In addition, research has uncovered that banks reject 74% of small business loans applications. Fortunately, there are more suitable finance options available if you have an existing business that’s been operating for at least six months. At Moula, our application process is paperless and it won’t take weeks to process. You can apply online in minutes and we can have an answer for you within 24 hours. Plus, we specialise in unsecured loans, which means no collateral is required.

If you’re a business owner, you probably don’t have time to complete large amounts of paperwork and then wait weeks for a response. That’s why we make it easy to apply for a business loan. Instead of requiring you to complete loads of paperwork and supply a business plan, you can complete a business loan application online in under 7 minutes. Once you link your business data, we can assess your application in real-time and can provide an answer within 24 hours.

It can take 6 to 8 weeks to get an answer when applying for a traditional bank business loan. But in a fast-moving business environment, sometimes you need business funding fast. This could be to buy discounted stock, cover a short-term cash flow shortage, or purchase equipment. We’ll help you get quick access to business finance when you need it, without the long wait. Once approved, funds are transferred to your account by the next business day, letting you get on with growing your business.

Some business lenders will charge fees, such as administration fees, direct debit fees, and early repayment fees. These fees can add up significantly, and if you weren’t aware of them when you applied, can really inflate the cost of your business loan. When considering the cost of finance for your business purposes, be sure to read the fine print to understand what fees you are being charged.

At Moula, we have no hidden fees. You can crunch our numbers with our loan calculator and see exactly what your repayments will be.

Business Loan FAQs

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

  • An ABN or ACN
  • Been in business for at least 6 months
  • At least $10,000 in monthly sales
  • GST registration

You can borrow between $10,000 and $250,000. 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 charge a 2% establishment (upfront) fee and no transaction fees. You pay back what you borrowed (principal) plus interest. Our interest rates range from 15.99% – 35.99% APR. 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 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 7 minutes, and will get a decision with 24 hours. If your loan is approved, the funds will be in your account within 24 hours.

By linking your business data to your application, we can view your transaction data and make a decision within 24 hours; much faster than banks, which can take 6 to 8 weeks to process an application.

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.

If your annual turnover is less than $75,000 and your business isn’t GST-registered, you're still eligible to apply.

Get a repayment schedule

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