Compare business loans from Australian lenders
Answer a few questions about your business and we'll match your enquiry to the lenders most likely to fund it. A person reviews every enquiry, it's free to use, and there's nothing to upload. Refer Labs is a referrer, not a lender.
- Free to use
- No document uploads
- Enquiring won't affect your credit score
Start your enquiry
Tell us what your business needs. We'll show you an indicative match and a person will be in touch within one business day. There's no obligation to proceed with any lender.
Refer Labs is a referrer, not a lender. With your consent we share your details only with the panel lenders relevant to your enquiry, and we may be paid a commission if your loan settles, which never changes your rate or the order lenders appear in. See our Privacy Policy and how we make money.
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 on our panel actually funds, then gets in touch within one business day.
- 3
You deal with the lender
With your consent, we introduce your enquiry to the lenders that fit. They assess it and make any offer to you directly. You're never obligated to proceed.
The lenders on our panel
These are the lenders we currently introduce enquiries to. Where a lender publishes a headline rate we show it; others price each loan individually. Either way the figures are indicative, not a quote for your business.
| 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 | 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 | 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.
Refer Labs may be paid a commission by a lender if your loan settles. This never changes what you pay, and we are not paid to rank one lender above another. How we make money.
Common questions
- Is Refer Labs a lender?
- No. Refer Labs is an independent referrer. We collect your details, and with your consent we introduce your enquiry to lenders on our panel 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 are on the panel?
- Our current panel is Lumi, Moula, Prospa. We introduce your enquiry only to lenders relevant to what you have told us, and only as you consent. The panel changes over time.