Moula review
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.
This is an independent overview to help you decide whether to enquire. We don't publish our own star ratings, and no lender can pay to be framed more favourably.
Who Moula tends to suit
- Businesses wanting a larger facility — Moula funds up to $500,000.
What to check before you apply
- The From 15.99% p.a. figure is an advertised "from" rate (as at July 2026), not a quote. Ask Moula for the rate and fees for your specific situation.
- Unsecured business finance usually costs more than a secured bank loan. Compare the total cost of the loan, not just the headline rate.
- Confirm the loan term, repayment frequency, and any establishment or early-repayment fees before you sign.
- Moula is listed as an AFIA Online Small Business Lender Code signatory, which sets conduct and disclosure standards. It is still worth reading the contract in full.
The facts
Rate: From 15.99% p.a.
Loan size: $10,000–$500,000
Typical speed: Next business day
Products: Term loan
Establishment fee: 2% of the loan amount
Verify current terms on Moula's own site.
See if Moula fits your business
One short enquiry. We'll tell you whether Moula looks like a plausible fit and introduce you if it is.
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.