Breezy Business Loans | Equity & Business Finance for Australian SMEs

Business Finance,
Sorted Smarter.
Fund Your Growth.

From property-backed equity loans up to $2M to fast unsecured business loans up to $1M — Breezy connects Australian businesses with the right finance, faster than the banks.

No financials required (equity) Funding in 24 hours Bad credit welcome No hidden fees

$2MMax Equity Loan

$1MMax Business Loan

24hrFastest Funding

94%Approval Rate

Two Powerful Products

Finance Built for Every Business Need

Whether you have real estate equity to leverage or simply need fast capital — we have a tailored solution for your business.

Couple signing equity loan with property specialist

Equity Loans for Business

Unlock Your Property's Potential

Leverage the equity in your residential or commercial property to access business capital up to $2M. No financials, no property valuations, and no repayments for 6 months. Bad credit welcome — we assess equity, not credit scores.

Loan Amount

$20K – $2,000,000

Loan Term

1–12 Months

Resi LVR

Up to 75%

Comm. LVR

Up to 70%

No financials or tax returns required

No property valuation needed

6 months interest capitalisation (no repayments)

Bad credit & arrears accepted

Response within 60 minutes, funds in 24 hours

Apply for Equity Loan Learn More

Confident small business owner in her shop

Business Loans

Fast Capital for Business Growth

Secured or unsecured business loans from $20K to $1M, with terms from 3 months to 5 years. Covering cash flow, equipment, expansion, stock, staffing, and everything in between. Decisions in 24–72 hours.

Loan Amount

$20K – $1,000,000

Loan Term

3 Months – 5 Years

Decision

24–72 Hours

Secured Rate

From 6.8% p.a.

Secured & unsecured options available

Minimal documentation required

All business purposes covered

Flexible repayment terms (3 months to 5 years)

Early repayment — no penalties

Apply for Business Loan Learn More

Equity loan consultation with financial advisor

24hrs

Average Funding Time

Equity Loans for Business

One Product, Many Names — All the Same Solution

Our equity business loan goes by many names across the industry. Whatever you call it, the result is the same — fast access to capital secured against your property, with minimal paperwork and maximum speed.

You may know this loan as:

Equity Business Loan

Collateral Loan

Bridging Loan

Caveat Loan

Second Mortgage Loan

Asset-Backed Loan

Property Loan

Capital Release Loan

Lightning-Fast Funding

From application to funds in your account — often within 24 hours. Response within 60 minutes during business hours.

Minimal Documentation

Just a recent mortgage statement, rates notice, and photo ID. No tax returns, no financial statements, no business plans required.

6-Month Payment Holiday

Capitalise interest for up to 6 months. Focus on growing your business before repayment pressure begins.

Bad Credit? No Problem.

Defaults, arrears, or no trading history — if you have sufficient property equity, we can help your business access capital.

Apply for Equity Loan Check Eligibility

~90%

Approval Rate (3yr+ biz)

Business Loans

Secured or Unsecured —
Your Choice, Your Terms

From $20K to $1M with terms spanning 3 months to 5 years — our business loans cover every stage of your business journey. Choose secured for better rates or unsecured for faster access with no collateral risk.

Secured Business Loan

From 6.8% p.a.

Unsecured Business Loan

From 9.5% p.a.

Feature

Secured

Unsecured

Amount

$20K–$1M

$20K–$250K

Collateral

Required

None ✓

Approval

5–35 days

24–72 hours

Term

1–5 Years

3 Months–3 Yrs

Any Business Purpose

Working capital, equipment, inventory, expansion, fitout, marketing, staffing — any legitimate business need covered.

Early Repayment — No Penalties

Pay off your loan early and save on interest. We work with your business timeline, not against it.

Apply for Business Loan Common Questions

Simple Process

Funded in 3 Easy Steps

We've removed the complexity from business lending. From application to funded account — often within 24 hours.

Submit Your Application

Complete our straightforward online form in minutes. Tell us about your business needs and — for equity loans — basic property details. No complex financials or business plans required.

Quick Assessment & Approval

A specialist loan advisor contacts you within 60 minutes to discuss your requirements and provide conditional approval. We assess your full situation — not just your credit score.

Receive Your Funds

Loan documents are prepared and signed digitally. Once complete, funds are transferred directly to your business account — often within 24 hours of approval.

Apply — Equity Loan Apply — Business Loan

Industries We Fund

Finance for Every Australian Industry

From construction sites to clinics, hospitality venues to transport fleets — our loans are approved across every sector of the Australian economy.

Construction & Trades

Equipment, vehicles, project capital & cash flow gaps.

Both Products

Hospitality & Food

Fitouts, stock, cash flow & venue expansion funding.

Business Loan

Healthcare & Medical

Clinic expansion, medical equipment & property acquisition.

Both Products

Retail & eCommerce

Stock purchase, fitout, digital expansion & marketing.

Business Loan

Transport & Logistics

Fleet finance, working capital & freight equipment.

Both Products

Agriculture & Farming

Seasonal stock, machinery & property-backed capital.

Equity Loan

Manufacturing

Equipment upgrades, production expansion & working capital.

Both Products

Professional Services

Practice acquisition, fitout & cash flow management.

Both Products

Market Intelligence

Australian Business Lending by the Numbers

Real data from the RBA, ABS, and major lenders — so you can make a fully informed borrowing decision.

24hrs

Average time from application to funding

94%

Conditional approval rate

6mo

No repayments holiday (equity loans)

2.73M

Active businesses in Australia (ABS 2025)

Secured vs Unsecured Market Share

Share of total Australian SME credit — RBA 2025

Interest Rate Ranges by Product

Indicative market rates (% p.a.) — Feb 2026

Approval Rates by Business Age

Likelihood of approval by trading history — 2025

SME Loan Purpose Breakdown

Why Australian businesses borrow — Money.com.au 2024

Australian SME Lending Market — Growth Trajectory

Total small business credit outstanding (AUD billions) — ABS & RBA, 2019–2029F

Eligibility

What You Need to Get Started

We've simplified the requirements so more Australian businesses can access the funding they need.

Equity Loan Eligibility

Real estate equity — residential or commercial property anywhere in Australia
Business purpose for the funds (any legitimate business reason)
Bad credit welcome — we assess equity value, not credit history
New businesses welcome — trading history is not a barrier
Loan arrears — we can still help if you have sufficient equity

Business Loan Eligibility

6+ months trading history (12+ months preferred for larger amounts)
Active ABN registered in Australia
Minimum revenue of $5,000/month demonstrable (unsecured)
All industries considered — no sector exclusions

Documents Required

For Equity Loans

Recent mortgage statement (if applicable)
Rates notice for the security property
Photo ID for each borrower (licence or passport)

For Business Loans

Photo ID & ABN details
Last 6 months business bank statements
Last 2 years financials (for larger secured loans)
Asset details (for secured applications)

That's it! Our streamlined process means less time gathering documents and more time running your business. For equity loans — no tax returns, no financial statements required.

Common Questions

Frequently Asked Questions

Everything you need to know before applying.

An equity loan (also called a collateral loan, bridging loan, or caveat loan) is secured against real property you own. The lender's decision is based primarily on the equity in your property rather than your credit history, financials, or trading history. A standard business loan is assessed based on your business performance, cash flow, and creditworthiness. Equity loans are typically faster to approve and accessible to businesses with bad credit, but are designed as shorter-term bridging solutions (1–12 months).

We capitalise the first 6 months of interest into your loan balance. This means you make zero repayments for the first 6 months, giving your business time to generate returns from the capital before payments begin. After 6 months, you pay interest monthly until the loan is repaid or extended.

Yes — particularly for our equity loans. We focus on the equity in your property rather than your credit score. For standard business loans, some credit history is considered, but we work with a range of lenders and can often find solutions for businesses with imperfect credit. Contact us to discuss your specific situation.

For equity loans: we typically provide a response within 60 minutes during business hours, with conditional approval often the same day and funds within 24 hours of signing documentation. For unsecured business loans: conditional approval in 24–72 hours with funding soon after. Secured business loans take longer (5–35 days) depending on the collateral assessment required.

Any legitimate business purpose — working capital, inventory, equipment, vehicle purchase, business expansion, property acquisition, fitout costs, hiring staff, marketing, clearing ATO debts, debt consolidation, or even starting a new venture. There are no restrictions on how you use the funds as long as it serves a genuine business purpose.

We accept residential property (houses, units, townhouses), commercial property (offices, warehouses, retail premises), rural residential, and vacant land across Australia. The property can be in your personal name or held in a company or trust structure. We exclude farms, large rural acreage, and contaminated sites.

No — for equity loans there are no early repayment penalties. If your business generates returns faster than expected, you can repay early and save on interest costs. Loan terms can also be extended beyond 12 months if required. For business loans, this depends on the specific lender product, and our advisors will clarify terms before you commit.

Business Finance,
Sorted Smarter.
Fund Your Growth.