Business finance built around how your business actually runs
Businesses borrow for different reasons, and the right product depends on the purpose. Vehicles, equipment, working capital, invoices, low doc. Tell us what you're trying to do and we'll work out the product and the lender from 50 plus on our panel. Finding out leaves no mark on your credit file.
90 seconds. No mark on your credit file. That rate is yours, not ours. The real ones come next.
Who this is for
Sole traders and small businesses that need a vehicle, tool or machine to keep working
Growing businesses that need working capital between invoices and payroll
Established businesses buying equipment or expanding premises
Businesses that have been told no by their bank
Owners who want one Finance Specialist to handle all their finance
Why people choose Better Money for this
One application, every product
Tell us what you're trying to do and we work out whether a chattel mortgage, an unsecured loan, a line of credit or something else is the right fit. You don't need to know the product name.
50 plus lenders, including specialists
Banks, non banks, private and online lenders that move quickly. We match you to the lenders most likely to approve your business on sensible terms.
No mark on your credit file to get started
The 90 second application shows you your options first. A lender only sees your file once you've picked them and said go.
Structured for cash flow and tax
We look at repayment timing, balloon options and ownership structure so the finance works with your cash flow. Your accountant stays in the loop on the tax side.
How it works
Complete the 90 second application. Your Finance Specialist calls to understand the purpose, your trading history and your timing. We recommend a product and lender, gather the documents, submit the application and manage it through to settlement.
Straight answers
How long does my business need to have been trading?+
Some lenders accept businesses from day one if the owner has a good history and the loan is secured against an asset. Unsecured lenders usually want 6 to 12 months of trading. Two years or more opens up the most options.
Does my personal credit history matter for a business loan?+
Yes, for most small business lending. Lenders look at the director's personal credit file as well as the business. Past issues don't rule you out, but they do affect which lenders will consider you and at what cost.
What fees are involved?+
Fees vary by product. Most involve an establishment fee and some have a monthly or annual fee. Some lenders also charge a documentation or PPSR registration fee on asset loans. We disclose all fees in writing before you commit.
Will I need to give a personal guarantee?+
Usually, yes, for small and medium businesses. The director guarantees the loan personally. This is standard across most lenders and we'll explain exactly what it means for you.
Can you help if the bank has said no?+
Often. Banks have narrow criteria. Our panel includes lenders that assess on bank statements, asset value or invoices rather than two years of financials.
Which business loan is right for me?+
That depends on what you're buying, how quickly you need it and what security you can offer. Your Finance Specialist will talk you through it, and the product pages below explain each option.
5.0 out of 5
283 verified Google reviews
Maxine at Better Money has been nothing but helpful. She guided me and was very supportive and accessible the whole way. If there were 100 stars I'd give her one hundred. This special person really looks after you and is so kind and understanding.
Very detailed process and fast to get the loan approved, quick fund transfer. Very good deal, even the car dealer had no words. Thanks for Lana's hard work overall.
Lana from Better Money was fantastic in helping me finance a Hilux through a private sale. My application wasn't the easiest to get approved, but she found a lender that offered great repayments and the exact terms I was after. She went above and beyond to get it done, especially after another broker had struggled. 10/10 would recommend Lana!
Purchasing a brand new vehicle is a huge undertaking. I'm delighted with my purchase of a 2026 Isuzu D-Max XTerrain, made only possible by the amazing work of my Financial Broker, Lana Wilson. Lana was kind, respectful, enthusiastic in helping me secure the best finance deal that suited my needs. She was extremely patient with me.
Special thanks to Jamie! He was an absolute gem. My family and I will be grateful for years to come. We were in much need of an upgrade and were looking across the internet for someone to help us get a loan and thank god we came across Jamie. He created a genuine connection with my family, provided a safe and transparent space and guided us well through the process.
George really went above and beyond for me! I've never even thought about comparing finance, but George really made it so easy and explained everything perfectly. He gave me so many different options, even for things I wouldn't even think of! Thank you George! You are one of the good ones, an absolute STAR!
Jamie is an absolute legend. The bloke is a no joke wizard. Finance at an unbeatable rate sorted on the Tuesday, brand new Prado picked up on the Friday. Can't recommend these guys enough. Thanks heaps mate.
I went through Jake at Better Money. Let's say easiest to work with, he was quick, good to have a chat, worked with everyone for a smooth outcome. Highly recommend.
I didn't think my car loan was going to happen. Thank you so much Jamie. Jamie kept in contact through the whole process and worked some magic. Thanks again!
Maxine and the Better Money team are exceptional brokers who provide dedicated, caring, and person-centred financial solutions. They deliver a fast turnaround and secure funds in an impressively short amount of time. I highly recommend them all. Their service was exceptional the first time around, which is why I chose them again.
I never thought that by filling out an inquiry form on Facebook would lead us to finding the most amazing broker ever. Dan was absolutely incredible. He was understanding, thorough, battled for us and got us our dream car. He dealt with my multitude of phone calls and texts, talked me through all the anxious moments, and saved us from so much paperwork and stress.
I cannot speak highly enough of the service I have received from Jamie Lendrum at Better Money. We have now used him to purchase 2 motorcycles and a car and the service is always top notch with excellent rates. Nothing is ever an issue, everything is completed quickly and efficiently with no stress for me.
I had an amazing experience organising finance for my new vehicle. Lana Wilson did an amazing job and guided me all the way through the process. She made it extremely quick, absolutely transparent and professional. Lana was brilliant on all our interactions and her friendliness made borrowing money enjoyable experience.
Lana was prompt and helpful throughout my personal loan application and a delight to interact with.
Lana was amazing to work with she was helpful understand and transparent. No question was to silly and she make the process absolutely painless. Thank you Lana your the best
I spoke to Eidan, amazing guy. Told him I needed the car asap, within 36 hrs they got the necessary changes and loan agreement done. Constant open communication and updates from him. Amazing service.
George was a great help. He guided me through the entire process, kept me in the loop and even had some hard conversations with the dealership when there was a communication error regarding delivery and paperwork! Awesome work! Happy customer!
I called randomly to see what finance would look like for a new car and 3 days later I've been approved and pick up on Monday, Lana was extremely easy to deal with and made the entire process very simple, would recommend to anybody 10/10
I was lucky to connect with Maxine. A true professional who knows the industry inside out, and has the best attitude. Nothing is a hassle, the smile is palpable over the phone. Gentle guidance and clear balanced presentation of the options makes the final decision easy. I'm more than happy to give my recommendation.
What a fantastic experience dealing with this business. Fast, efficient, effective and well informed agents, with constant and timely updates to assure the client of progress. A one stop shop for any loan requirements, and a shout out to Maxine for her warm and supportive service.
Picked up my car a couple weeks ago, Lana was a big help! Talked me through all options to get the best result. Even the seller (private sale) said she was great to deal with. Will use her again!
The whole process of getting a loan through Better Money was very easy and Jamie walked me through every step of the way and turned the loan round in under 24 hrs. Highly recommend them.
Jamie is an absolute legend! Made the whole process so easy. Kept me up to date. Genuinely wanted to help and cared. Cannot recommend highly enough and couldn't be happier with my purchase! This is the second car my family have purchased through Better Money and we would never buy a car another way. Thanks Jamie :)
Maxine was fantastic! She was incredibly patient, persistent and truly worked hard to get the best possible outcome for me. She made the whole process so much easier and was an absolute pleasure to deal with. I couldn't be more grateful to have had her in my corner. Highly recommend.
Couldn't recommend Jake at Better Money highly enough! Great service, communication and support from start to finish. He made the whole process of getting my new car easy and stress-free, and was always there when I needed him. Thanks again, Jake!
Where to start? Eidan has been a breeze to work with, I put in my enquiry on Thursday and we settled by Monday despite a public holiday and weekend. Swift and to the point with prompt information needed. Will definitely be coming back. Go Team Better Money with special credits to Eidan!
Eidan from Better Money was awesome to deal with. All questions answered quickly and easy to understand. Great with communication about what was happening. If you need money definitely look up Eidan.
Jamie was amazing! He has gotten me my dream car and really made my year! He is responsive, customer focused and great at what he does! He answered every question, and came up with a game plan when I felt overwhelmed.
Working with Jamie to secure my finance loan was an absolute breeze. He was professional, incredibly knowledgeable, and kept me informed every step of the way. Jamie made a process that can usually be quite stressful completely seamless and stress-free. Highly recommend.
