Business lending across Australia
Finance options for business growth and opportunity
Gifted Loans supports business owners considering working capital and cash flow finance, expansion, acquisition or other strategic business lending needs.
A simple starting point
Tell us what your business needs funding for
Answer a few simple questions about your business funding needs before you speak with Gifted Loans. An estimate is fine.
Preparing a business loan application
Clarifying the funding purpose and organising business and financial information can help create a clearer starting point for lender assessment.
Read the business loan application guide
Working capital and cash flow finance
Funding needs may arise from timing differences, seasonal trading, supplier payments or other working-capital requirements.
Read the working capital guide
Business acquisition finance
Purchasing an existing business involves understanding the transaction, financial history, purchaser contribution and information lenders may assess.
Read the business acquisition guide
How lenders assess business loans
Lenders may consider the funding purpose, business position, repayment capacity, existing commitments and supporting information.
Read how business loans are assessedA clear business lending process
How Gifted Loans helps
Define the funding purpose
Understand what the business needs finance for, the amount and timing involved and the intended outcome.
Review the business position
Consider the business structure, trading position, existing commitments and available financial information.
Prepare supporting information
Identify financial statements, bank information, transaction details or other relevant documents.
Compare suitable lending options
Consider lender appetite, structure, repayment requirements, costs and suitability for the business purpose.
Prepare the application and next step
Help organise the application and explain the next stage of the lending process.
Preparing for business finance
Organise the information behind the funding request
Lender requirements vary and may include information about the funding purpose, business or entity, trading and financial position, cash flow, existing commitments and transaction details when purchasing a business.
View the business loan application guideWhere the primary objective involves commercial property, see Commercial finance.
Start a business lending conversation
Ready to discuss your business finance needs?
Book a consultation to discuss the funding purpose, available information and the next suitable lending step for the business.