Compare business lenders and get matched in a minute
Tell us what you need and a person matches your enquiry to the 5 Australian lenders most likely to fund it. It's free, there's nothing to upload, and enquiring won't touch your credit score. Refer Labs is a referrer, not a lender, with no partnership with any lender here.
- Free to use, no obligation
- No document uploads
- No credit impact to enquire
- A person reviews every enquiry
Compare & enquire
~1 minute · no uploadsWith your consent we share your details only with the lenders and brokers relevant to your enquiry, and we may be paid a commission if your loan settles, which never changes your rate. See our Privacy Policy and how we make money.
Last updated:
Refer Labs is an independent Australian comparison publisher. We compare services on public pricing, eligibility, inclusions, trade-offs, availability in Australia and suitability. Commercial relationships may exist and are disclosed, but rankings are not paid placements.
What we can help fund
Whatever the reason for borrowing, the enquiry is the same one minute. Pick the closest fit to read the detail, or just start the form above and we'll point you to the lenders that suit.
Unsecured business loans
No property or asset as security. Faster to fund, assessed on your cash flow.
Read moreFast business loans
Same-day to 48-hour funding from lenders that read your bank data directly.
Read moreLine of credit
A revolving limit you draw as needed, paying interest only on what you use.
Read moreWorking capital
Cover wages, stock and slow seasons when money out and money in don't line up.
Read moreEquipment finance
Finance a vehicle or machine, tied to the asset, and check the instant write-off.
Read moreSmall business loans
Term loans sized for everyday needs: stock, hiring, a slow month, or growth.
Read moreHow to compare business lenders in Australia
There is no single best lender; the right fit depends on your business. Compare on these before you apply:
- Loan size and product type. A term loan, line of credit, unsecured loan or equipment finance each suit different needs.
- Fees and total cost. Look past the headline rate to establishment and ongoing fees, and whether cost is quoted as an interest rate or a factor rate. A factor rate can look cheaper than it works out to be.
- Speed to funding. Some lenders fund same-day by reading your bank data; others take longer.
- Eligibility. Minimum trading time, monthly revenue and credit profile vary widely by lender.
- Repayment flexibility. Check the term, repayment frequency and any early-repayment fees.
- Security. Unsecured loans need no property or asset; secured options can cost less but put an asset at risk.
- Suitability by stage. Startups, established small businesses, short cash-flow gaps and larger businesses are often served by different lenders.
Always check the lender's terms and disclosure before applying. Refer Labs is a referrer, not a lender: we do not approve applications or set rates.
Compare 5 Australian business lenders
Browse the lenders we compare, then open one for the full detail or get matched to the ones that fit through the enquiry above. No partnership or paid placement: each is submitted individually and assessed on its own criteria.
Lumi
AFIA Code signatory- Loan size
- $5,000 – $1,000,000
- Rate from
- Quote-based
- Funding
- Same business day
Term loanLine of credit or overdraft
Moula
AFIA Code signatory- Loan size
- $10,000 – $500,000
- Rate from
- From 15.99% p.a.
- Funding
- Next business day
Term loan
Prospa
AFIA Code signatory- Loan size
- $5,000 – $500,000
- Rate from
- Quote-based
- Funding
- Funds within an hour of signing
Term loanLine of credit or overdraft
Moneytech
Non-bank lender- Loan size
- $25,000 – $1,000,000
- Rate from
- From 13.95% p.a.
- Funding
- Not published
Term loanLine of credit or overdraftInvoice finance
Shift
AFIA Code signatory- Loan size
- $10,000 – $2,000,000
- Rate from
- From 14.95% p.a.
- Funding
- Approval within hours for limits under $500,000
Line of credit or overdraftTerm loanEquipment finance
Advertised “from” rates and loan sizes as at July 2026, from each lender's own site. “Quote-based” means the lender prices each loan individually rather than publishing a headline rate. Figures are indicative, not a quote; your rate depends on the lender's assessment.
How it works
- 1
Tell us about your business
A short form covering how much you need, what it's for, and a few facts about the business. It takes about a minute, and there are no documents to upload.
- 2
We review and match it
A person, not a bot, checks your enquiry against what each lender we compare actually funds, then gets in touch within one business day.
- 3
You deal with the lender
With your consent, we submit your enquiry to the lenders that fit, directly or through a finance broker. The lender assesses it and makes any offer to you directly. You're never obligated to proceed.
Side-by-side comparison
The full detail on every lender we compare, in one table. Refer Labs has no partnership, panel arrangement or accreditation with any of them: each enquiry is submitted individually and the lender decides on its own criteria.
| Lender | Advertised rate from | Loan size | Typical speed | Products | Industry code |
|---|---|---|---|---|---|
| Lumi | Quote-based | $5,000 – $1,000,000 | Same business day | Term loan, Line of credit or overdraft | AFIA Code signatory |
| Moula | From 15.99% p.a. | $10,000 – $500,000 | Next business day | Term loan | AFIA Code signatory |
| Prospa | Quote-based | $5,000 – $500,000 | Funds within an hour of signing | Term loan, Line of credit or overdraft | AFIA Code signatory |
| Moneytech | From 13.95% p.a. | $25,000 – $1,000,000 | Not published | Term loan, Line of credit or overdraft, Invoice finance, Trade finance, Equipment finance | Not listed |
| Shift | From 14.95% p.a. | $10,000 – $2,000,000 | Approval within hours for limits under $500,000 | Line of credit or overdraft, Term loan, Equipment finance, Trade finance | AFIA Code signatory |
Terms as at July 2026, from each lender's own site. “Quote-based” means the lender prices each loan individually (Lumi quotes a total repayment; Prospa uses simple interest) rather than publishing a headline rate. Figures are indicative, not a quote; your rate depends on the lender's assessment. Verify current terms with the lender.
If your loan settles, Refer Labs may be paid a share of the broker's commission, or a commission from the lender. This never changes what you pay, and we are not paid to rank one lender above another. How we make money.
Business lending guides
Everything we've researched on borrowing for a business: what it really costs, which loan type fits, and what lenders look at before they say yes.
- What a business loan actually costs
- The hidden cost of factor rates (analysis)
- Business loan repayment calculator
- Equipment finance and the instant asset write-off
- Prospa vs Lumi, compared
- Prospa vs Moula, compared
- Lumi vs Moula, compared
- Unsecured business loans in Australia
- Business loans with bad credit in Australia
- Fast business loans in Australia
- Small business loans in Australia
- Business line of credit in Australia
- Working capital loans in Australia
- Low-doc business loans in Australia
- Startup business loans in Australia
- Business loans for sole traders in Australia
- Business loans for cafes, restaurants and hospitality
- Secured vs unsecured business loans
- How to get a business loan in Australia
- Business loan eligibility: what lenders actually look at
Common questions
- Is Refer Labs a lender?
- No. Refer Labs is an independent referrer. We collect your details, and with your consent we pass your enquiry to lenders, or to a finance broker who submits it to lenders, who then assess it and make any offer. We do not lend money, set rates, or approve applications, and we are not a credit provider or credit assistance provider.
- What does it cost me?
- Nothing. There is no fee to use the form or to be introduced to a lender. If a loan settles, the lender may pay Refer Labs a commission. That never changes the rate or fees you are offered.
- Will this affect my credit score?
- Submitting the form does not involve a credit check. A lender only assesses your credit if you choose to proceed with a full application to them, and they will tell you before they do.
- Do I have to upload bank statements or ID?
- Not here. This form only collects contact details and high-level business information. If a lender needs documents later, you provide those directly to that lender through their own secure process, not through this form.
- How quickly will I hear back?
- A person reviews your enquiry and gets in touch within one business day to talk through the options that fit your situation.
- Which lenders do you compare?
- We currently compare Lumi, Moula, Prospa, Moneytech, Shift. Refer Labs has no partnership or standing arrangement with any of them: each enquiry is submitted individually, directly or through a finance broker, and the lender assesses it on its own criteria. We pass on your enquiry only where a lender is relevant to what you have told us, and only as you consent. Which lenders we compare changes over time.
Official resources
Independent, government-run references worth checking before you borrow:
- business.gov.au: Finance and funding. Finance options, grants and funding basics for Australian businesses.
- ASIC MoneySmart: Loans. The regulator's free guidance on interest, fees and comparing credit.
- ASIC credit licensees. Check whether a lender or broker holds an Australian credit licence.