Moula business loans
Moula is an Australian non-bank lender providing unsecured business term loans, assessed largely from a business's bank-transaction and accounting data, with funding from $10,000 up to $500,000.
Refer Labs is an independent referrer, not Moula and not a lender. If Moula fits what you need, we can introduce your enquiry to them; they assess it and make any offer directly to you. Refer Labs is free to use.
$10,000 – $500,000Next business dayAFIA Code signatory
Moula at a glance
- Rate
- From 15.99% p.a. (as at July 2026)
- Loan size
- $10,000 – $500,000
- Typical speed
- Next business day
- Products
- Term loan
- Establishment fee
- 2% of the loan amount
- Industry code
- AFIA Online Small Business Lender Code signatory
Figures are Moula's advertised terms and can change. Verify current rates and eligibility on Moula's own site.
Check whether Moula fits
Tell us what you need. We'll tell you whether Moula looks like a plausible fit, and which other panel lenders might suit better. One short form, no documents.
Moula business loans: common questions
- How much can I borrow with Moula?
- Moula advertises business loans from $10,000 to $500,000. The amount you're offered depends on Moula's assessment of your business, not the maximum on the page.
- What do I need to qualify for a Moula loan?
- Moula generally looks for a business trading for at least 12 months, an active ABN, and consistent revenue the lender can verify. Exact criteria are set by Moula and can change.
- How fast can Moula fund a loan?
- Moula advertises funding next business day once your application is approved and verified. Real timing depends on how quickly your details can be confirmed.
- Does Moula charge fees?
- Moula charges an establishment fee of 2% of the loan amount, and may charge other fees. Always ask for the full fee schedule and the total cost of the loan in dollars before you sign.
- Is Moula a legitimate lender?
- Moula is an established Australian business lender and a signatory to the AFIA Online Small Business Lender Code of Practice. Refer Labs is an independent referrer, not Moula; we introduce your enquiry with your consent and the lender assesses it.