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growing your business

  • Up to $250,000 with no asset required
  • Credit decisions within 24 hours
  • No penalty for early repayment

Get started

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.

Pay For Overheads | Business Loans

Pay for overheads

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

Office Goods

Invest in equipment

Scale your service offering with new tech or office equipment.

Pay ATO Debt | Moula

Repay ATO debt

Refinance business debt into manageable repayments.

Our business loan

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

  • Apply online in 7 minutes
  • Credit decisions within 24 hours
  • No penalty for early repayment

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 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.

Am I eligible?

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

Have questions? Our friendly team is available
on 1300 88 58 93 weekdays 9am - 7pm AEDT

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 $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 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.

AFIA Moula Business Loan Code Compliant

Our business loans are proudly AFIA code compliant

View code details

Get a repayment schedule

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