Helping business grow
SME Money makes business funding simple — fast approvals (sometimes in under 24 hours), flexible options, and tailored finance solutions to keep your cash flow moving. With a trusted lender network, we help businesses access the money they need, when they need it
No credit check to see if you are eligibleEasy funding so you navigate business better.
At SME Money, we enable small businesses to access funding without the paperwork dreaded by everyone. You might be paying wages, stocking goods, or growing your operations—there is a loan for that, and let’s get it to you fast.
We combine more than a decade of expertise, the brightest technological tools, and access to dozens of reputable lenders that make decisions in the blink of an eye and disburse funds even quicker. An approval may take less than 24 hours.
Some examples include:
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Hiring a new staff member before peak season
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Covering unexpected supplier delays
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Bridging cashflow during a slow quarter
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Launching a local marketing campaign
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Paying tax bills or insurance premiums
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
Fast, hassle-free business funding with no upfront security—get approved and funded in as little as an hour.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Frequently Asked Questions
Business finance can be used for a wide range of needs — including working capital, hiring staff, buying stock, covering short-term cash gaps, or launching new products or services
Loan amounts typically range from $5,000 to $500,000 or more, depending on your revenue, trading history, and the lender’s criteria.
We work with lenders who can approve loans in as little as 24 hours. Some offers are made the same day you apply, depending on your documents and profile.
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Valid ID
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3–6 months of business bank statements
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Basic business details (ABN, turnover, etc.)
More complex loans may require BAS statements or financials.
Yes. Some lenders will consider businesses trading for as little as 6 months, especially if you have strong revenue or a solid credit history.
Repayments are usually weekly or monthly and can be fixed over 6–36 months. You can see an estimate using our online calculator before you commit.
No impact during pre-approval. A credit check is only performed once you proceed with a lender offer — and we’ll always let you know first.
Some loans have setup fees, which are disclosed upfront. Many lenders allow early repayment with no penalty, but we’ll help you choose the right product based on your needs.
Yes. We often assist businesses with top-up funding or refinancing to improve terms or access additional working capital.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money Market delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote