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Uncertainty creates opportunity

  • Borrow between $5,000 – $250,000
  • 12 – 24 month terms
  • No asset security required

Get started

Fund your opportunity

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

Business Cash Flow Loans | Moula

Help with cash flow

Moula can help you access more working capital to ride through lulls in cash flow and keep business running smoothly.


Pay overheads

Retain staffing levels in anticipation of growth, pay for insurance, utilities, or other business overheads.

Invest in growth

While revenue is down, funds can help plan for growth, with paying suppliers who aren’t offering trade credit, or purchasing inventory and equipment.

Ready to go?

To get started, all you need is:

  • An active ABN or ACN
  • 6+ months in business
  • $5,000+ in monthly sales
  • GST registration 1

Apply now
AFIA Moula Business Loan Code Compliant

Our business loans are proudly AFIA code compliant

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

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

Apply for a business loan online in just ten 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 Loan 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.

Business Loan Basics

There are many uses for a business loan. Maybe you 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 payout penalty 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 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 entirely paper-less and it won’t take weeks to process. You can apply online in minutes and we can have an answer for you within 24 to 48 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 Moula business loan application online in under 10 minutes. Once you link your business data, we can assess your application in real time and can provide an answer within 48 hours. Our application and data linking process is completely secure. You can read more on that in our article on Understanding Data Security.

We also check your credit history – with your permission, of course – to help us make a responsible lending decision. Once your loan is approved, you could receive the funds within 24 hours.

It can take weeks to get an answer when applying for a traditional bank business loans. 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 looking for finance will get an answer within 24 to 48 hours. If the loan is approved, the 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. We also don’t have any early repayment fees (which can be a particularly tricky fee), so we won’t charge you any extra if decide to pay your loan off early.

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
  • GST registration

You can borrow between $5,000 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, but there are no transaction fees, and no penalty for early repayment. You pay back what you borrowed (principal) plus interest. Our interest rates range from 14.95% – 34.95% 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 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.

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

Have questions? Our friendly team is available
on 1300 88 58 93 weekdays 9am - 5pm AEDT

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