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Uncertainty creates opportunity

  • Unsecured business loans up to $250,000
  • Credit decisions within 24 hours
  • No penalty for early repayment

Join now

Clarity for your clients

With an easy application and fast turnaround, help your clients seize the opportunity with unsecured funding.

Get Business Funds | Moula

Unsecured funds

We use data to assess your client’s application, so they won’t need to use their family home or any assets as security.

Rates from 14.95%

Access responsible and transparent rates, from 14.95% to 34.95% APR.

Same-day approvals

In these rapidly-changing times, we won’t keep you waiting.

We're Faster

Quick application

Apply online in 10 minutes, and track your clients’ progress with our online portal.

Moula has provided me with choice

They are a great option for my SME clients. Being able to provide an unsecured loan of up to $250,000 is a great solution I can provide to my clients, which further cements the relationship. I become the financial expert for that client.

Jason Basseal, Loan Market

Partner with Moula

Your clients can use Moula to help their
business through uncertain times

Business Cash Flow Loans | Moula

Help with cash flow

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


Pay overheads

Help your clients retain staff in anticipation of growth, pay for insurance, utilities, or other business overheads.

Invest in growth

While revenue is down, your clients can access funds to for future growth, with paying suppliers who aren’t offering trade credit, or purchasing inventory and equipment.

See how we stack up against the banks

  • Application Time 10 minutes
  • Approval Time 24 Hours
  • Application Process Online, paperless, fast
  • No hidden fees
  • Banks
  • Application Time Days
  • Approval Time Days or weeks
  • Application Process Slow, messy paperwork
  • No hidden fees
AFIA Moula Business Loan Code Compliant

Our business loans are proudly AFIA code compliant

Partner FAQs

By linking your business’ data to Moula, we can view your transaction data and make a decision in minutes; much faster than banks, which usually take 6-8 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.

The application process takes just a few minutes. Once complete, we’ll give you a decision within 24 hours, and your client will see the funds in their account by the next morning.

Your clients will need:

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

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

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.

Absolutely, we pride ourselves on our customer service and having real people to speak to. You can either email or call 1 300 88 52 36.

Business lending is not regulated as a financial service in Australia, and therefore, there’s no legal or regulatory constraint to referring a client to Moula.

Absolutely; we’re happy to pass the discount on to your client. Please let us know when you’re making the referral, and we’ll take care of it.

Get a repayment schedule

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