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Credit decisions
within 24 hours

  • Access the Coronavirus SME Guarantee Scheme
  • Rates from 15% to 35% APR
  • 6 months repayment-free for your clients
  • Commissions paid upfront

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Support during uncertain times

It’s a tough time for many, with the economic impact of COVID-19 hurting businesses across Australia.

Your business clients need stability, confidence, and support to move forward.

You need a quick and simple process, without the long wait times and messy paperwork, so you can help them when it matters most.

We’ve got your back.

We’ve got funding solutions tailored to your clients’ needs

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 15%

Access responsible rates your clients can afford, and transparent rates you can trust.

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

Accessing the Coronavirus SME Guarantee Scheme

Moula has been selected to participate in the Commonwealth Government’s Coronavirus SME Guarantee Scheme.

Under this Scheme, Moula is able to support even more Australian businesses by providing your clients:

  • Coronavirus SME Guarantee Scheme loans of up to $250,000 for new and existing customers
  • Repayment relief to defer principal and interest repayments for 6 months (with interest to be capitalised)
  • Subject to underwriting criteria, available to SMEs, including sole traders, with a turnover of up to $50 million
  • Unsecured business loans, meaning that borrowers will not have to provide an asset, such as their family home, as security for the loan

To refer your client, join our Partner Program today, and then log in to your Partner Portal to start referring.

Our new rates range from 15% – 35% APR, and will be based on our assessment of business performance.

Repayments are fortnightly, with the first 13 fortnights repayment-free. Interest will still be capitalised over this period.

Your clients can access between $5,000 and $250,000, over loan terms of between 18 and 24 months.

Yes, we will be paying partner commissions. Please log in to your Partner Portal to view the full terms and conditions. Commissions will be paid upfront according to when your new commissions are paid.

Additional Support During Covid-19

There’s a good chance that their business can. The Australian Government has expanded the instant asset write-off from $30,000 to $150,000 in response to the economic impact of the coronavirus. The scheme has now been extended to 31 December 2020, and applies to a vast range of assets.. In the past, a business purchasing an asset could only write off a portion of an asset expense over several years. By deducting the full expense in a single year, they can decrease their taxable income and the tax they owe. For eligibility and thresholds, please refer to Instant asset write-off for eligible businesses.

The Australian Government has launched a Coronavirus economic stimulus package to support affected individuals, businesses, and the broader community. This package covers an increase in cash flow assistance of up to $100,000 to help SMEs continue paying wages, wage subsidies for eligible employers of trainees and apprentices, income support for sole traders and the self-employed, early access to superannuation, and temporary relief for financially distressed businesses. Here’s a rundown of what Australian SMEs need to know. For the full scope of the package and to see if your client is eligible to claim assistance, please read the Australian Government’s Economic Response to the Coronavirus.

More about Moula

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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