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Small business loans with no hidden fees and no hassle

Access $5,000 – $500,000 today

TrustScore of 9.8 out of 10 based on 1274 reviews on Trustpilot logo

To get started, all you need is

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

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

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

Get started

Complete some basic business and personal information to get started.

Link Your Data

Link your data

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

Get Funds Fast

Get funds fast

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

Unsecured Business Loans • $5,000 – $500,000 • 6 – 36 month terms

No hidden fees or nasty surprises

There are enough surprises with running a business – hidden fees shouldn't be one of them. We keep our business loans transparent so you know exactly what you're paying. Our no-obligation application won't impact your credit score.
No Administration Fees

No Administration Fees

We don’t charge an application or origination fee of any kind. And there’s no fee when you pay out your loan.

No Direct Debit Fees

No Direct Debit Fees

Some lenders will charge a fee for each payment. We don’t.

No Early Repayment Fees

No Early Repayment Fees

If you decide to pay your business loan out early we won’t charge any additional fees or extra interest.

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

Business Loan Basics

There are many reasons for seeking business loans. Maybe you want to grow your business, improve your cash flow or purchase inventory.

When seeking a small business loan, many options are available, including a term loan, business overdraft, a line of credit, business credit cards or equipment finance. Some of the questions to ask include:

  • Interest rates – is it a fixed rate or variable rate?
  • What are the loan terms?
  • Will I be able to repay the loan?
  • What are the terms and conditions?
  • Are there any hidden fees?

Getting a business loan can be a long and complex process. With a bank term loan, for example, you will have to complete a large amount of paperwork and might need to provide 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.

If you’re a business owner, you 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 business loans. Instead of requiring you to complete loads of paperwork and supply a business plan, you can complete a Moula business loan application in under 10 minutes. We link your business data, view your transactions and can provide an answer within minutes. We also check your credit history – with your permission, of course – to help us make a responsible lending decision. Once your business loan is approved, you’ll receive the funds within 24 hours.

It can take weeks to get an answer when applying for a traditional bank term 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. Whatever your reason, Moula enables you to get quick access to business finance when you need it. Businesses seeking finance will get an answer within 24 hours. If the loan is approved, the funds are transferred to your account by the next business day.

Some business lenders charge fees, such as administration fees, direct debit fees and early repayment fees. These fees can significantly add to the cost of a business loan. When considering the cost of finance, be sure to read the fine print to understand what fees you are being charged.

Understand the true cost of business loans with SMART Box™

In the past, comparing business loans could be confusing because there wasn’t a standardised way to present loan costs and other elements. This all changed with the introduction of a tool developed for comparing fintech business loans. With SMART Box™ you can compare the most important loan metrics so you can make a good business decision with confidence.

What information is included in SMART Box™?

SMART Box™ is a one-page disclosure document that shows the basic elements of the loan option being considered, including the Loan Amount, Disbursement Amount, Total Repayment Amount, the expected Loan Term, and Repayment Frequency. SMART Box™ also includes six common loan pricing metrics: Total Cost of Credit, Average Monthly Payment, Total Interest Payment (TIP), Annual Percentage Rate (APR), Cents on the Dollar, and Factor Rate. In addition, one section covers whether there are any new fees or a reduction in the Total Payment Amount if the loan is paid off early. Having the essential information clearly presented in one document makes it easy to compare business loans.

How can I get a SMART Box™?

Once you’ve completed the application and approval process, you’ll be sent a loan offer, which includes a SMART Box™. You can find out more about SMART Box™ in our guide.

Our business loans are proudly AFIA code compliant

Are you a business owner looking for a transparent loan with no hidden fees and no hassle?

Here’s what you’ll need to get started.

  • An ABN or ACN
  • At least 6 months in business
  • Minimum of $5,000 in monthly sales

Reviews - by on Trustpilot.
Rated 9.8 out of 10 based on 1274 reviews.

Don't just take our word for it, though, read reviews from our customers..

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