Australian business finance

Cashflow when you need it, not when the bank gets to it.

Q: Will enquiring affect my credit score?

No. We assess your position and approach lenders informally first. A formal credit enquiry only happens once you've seen the terms and told us to proceed.

Q: What documents will I need?

For most cashflow facilities: twelve months of business bank statements, your ABN, and director ID. Above $250,000 lenders usually want recent financials and a BAS. We will email the exact list for your situation as soon as you enquire.

Q: What does it cost me?

Nothing. We're paid a commission by the lender on settlement, and we will tell you what that is before you sign anything.

Q: How quickly can this actually happen?

Most cashflow facilities settle within 24 to 72 hours of a complete file. The slow part is almost always getting the bank statements across, which is why we ask for them up front.

Q: Do I need to put up property?

Not always. Facilities up to $1 million can often be arranged without property security, assessed on how the business trades rather than what you own. That said, owning property, or offering it as security, usually makes funding both easier to get and cheaper. Note that most unsecured facilities are still supported by a general security agreement over business assets and a director's guarantee, and we will explain exactly what you're signing before you sign it.

Q: I have an ATO debt. Is that a problem?

Not a problem. In fact it's one of the most common reasons businesses come to us. Arranging funding to clear an ATO debt and move it onto better terms is standard work here. Lenders will look at the size of the debt and whether your business cashflow can comfortably service it, rather than treating the debt itself as a red flag.

Business House Credit facilitates working capital, overdrafts and lines of credit for Australian businesses. One conversation, funding from $25,000 to $25 million, and a straight answer about what it will actually cost.

$80m+

Secured in commercial funding

80+

Lenders on panel. We find the cheapest yes, not the first one

< 2 hrs

Average response, seven days a week

What we arrange

Five ways to fund a business, and one way to fix expensive debt

Most businesses don't need a bigger loan. They need the right structure. Not sure which fits? Tell us what the money is for and we will work it out.

Unsecured business loans

Funding assessed on how the business trades, not on what you own. Terms from three months to five years.

Learn more → 02

Working capital

Bridge the gap between paying suppliers and getting paid. Sized to your trading cycle rather than a flat number.

Learn more → 03

Business overdraft

A buffer sitting on your trading account for the weeks timing goes against you. Interest only on what you use.

Learn more → 04

Line of credit

Draw down, repay, draw again. Useful when the need is recurring rather than one-off.

Learn more → 05

Merchant cash advance

Repayments that move with your card takings. Fast, but we will show you the true annualised cost before you sign.

Learn more → 06

Refinance expensive debt

Daily debits from short-term lenders consolidated into one monthly repayment. We start with your real payout figures, not the rate.

Learn more →

Factory floor of a small manufacturer: packed stock on pallets, machinery and two workers under an overhead crane

About Business House Credit

Anyone can quote a policy. Structuring the deal is the job.

Lender policies are public. What isn't public is knowing how to put a deal together so it gets approved: which entity borrows, how the purpose is framed, what to lead with, what needs explaining, and which lender to go to first. After hundreds of deals, that's the part we're good at, and it's the difference between a decline and a yes on the same set of numbers.

Why Business House Credit →

How it works

Four steps, and most of them are ours

STEP 01

Tell us what you need

Three short steps, about two minutes. Amount, purpose, and a few details about the business.

STEP 02

We call you back

Under two hours on average, seven days. We just need to learn a bit more about the business so we can discuss the best options to move forward.

STEP 03

We structure and submit

In most cases all we need is your bank statements and an ATO statement. From there it's on us. How a deal is structured and presented is what decides the answer you get.

STEP 04

Funds in the account

Most cashflow facilities settle within 24 to 72 hours of a complete file and a signed offer.

Recent work

What these deals look like in practice

Names and identifying details removed. Structures and timeframes are as settled.

Managed IT services · 7 years trading

$500,000

Called on the 29th. Funded before payroll.

A managed IT services business, seven years trading and currently loss-making, called us on the 29th of the month. Invoices they had been counting on hadn't landed, and wages plus month-end bills were due within days. The ask was $500,000 against a hard deadline, from a business most lenders would decline on the P&L alone.

We structured it as an overdraft rather than a term loan, because the problem was a timing gap, not a funding shortfall, and framing it that way put the file in front of a lender who could read it properly. We worked it through with them after hours. It settled in time for payroll, priced below the facilities they were already carrying.

Loss-making P&LApproved on trading behaviour, not the bottom line

Overdraft, not a term loanStructure matched to a timing gap

Cheaper than incumbentPriced below their existing facilities

Enquiry 29th · Funded before month end · After-hours submission

Healthcare products · Inventory-led growth

Multi-lender

Told they had maxed out. They hadn't.

A healthcare business with strong margins on its products, held back by a single constraint: how much inventory it could afford to carry. Every dollar of stock turned into revenue, but their lender had told them they had reached their borrowing capacity and that was the end of it.

What they had actually reached was the ceiling of one lender's appetite. We refinanced the existing facilities and split the total requirement across several lenders in a deliberate sequence, each one structured to sit comfortably behind the last. Knowing which lenders will accept that position, and in what order to approach them, comes from working closely with credit teams across a lot of deals.

The ceiling was the lender'sNot the business's actual capacity

Refinance plus new moneyExisting facilities restructured alongside growth funding

Sequenced, not stackedEach facility designed to sit behind the one before it

Refinance and expansion funding · Multiple lenders · Structured in sequence

Refinancing

Being debited daily? Start with your payout figure, not the rate.

Most short-term facilities are priced as a fixed fee rather than an interest rate, so paying one out early saves far less than owners expect. A facility you believe has $55,000 left can quote a payout of $85,000. Until the real numbers are in writing, any conversation about refinancing is guesswork.

We get dated payout letters from every lender debiting your account, model what a restructure would look like, and tell you plainly whether it stacks up, including when it doesn't.

Three or four debitsbecome one monthly repayment

Dailybecomes weekly

ATO debtonto a facility with an end date

How refinancing works

Common questions

Before you enquire

Will enquiring affect my credit score?

No. We assess your position and approach lenders informally first. A formal credit enquiry only happens once you've seen the terms and told us to proceed.

What documents will I need?

For most cashflow facilities: twelve months of business bank statements, your ABN, and director ID. Above $250,000 lenders usually want recent financials and a BAS. We will email the exact list for your situation as soon as you enquire.

What does it cost me?

Nothing. We're paid a commission by the lender on settlement, and we will tell you what that is before you sign anything.

How quickly can this actually happen?

Most cashflow facilities settle within 24 to 72 hours of a complete file. The slow part is almost always getting the bank statements across, which is why we ask for them up front.

Do I need to put up property?

Not always. Facilities up to $1 million can often be arranged without property security, assessed on how the business trades rather than what you own. That said, owning property, or offering it as security, usually makes funding both easier to get and cheaper. Note that most unsecured facilities are still supported by a general security agreement over business assets and a director's guarantee, and we will explain exactly what you're signing before you sign it.

I have an ATO debt. Is that a problem?

Not a problem. In fact it's one of the most common reasons businesses come to us. Arranging funding to clear an ATO debt and move it onto better terms is standard work here. Lenders will look at the size of the debt and whether your business cashflow can comfortably service it, rather than treating the debt itself as a red flag.

Get a free quote

Tell us the situation. We will tell you what's possible.

Two minutes now, a call back within about two hours, and an honest read on whether the funding stacks up for your business.