Why compare business finance through OptiCheck?
Commercial assessment
SmartCheck evaluates your business profile and lending needs before broker matching.
SME broker network
Connect with brokers who specialise in business lending, equipment finance, and commercial loans.
Structured qualification
Your business enquiry is assessed through a guided process designed for commercial borrowers.
Frequently asked questions
Common business finance questions
Answers to the most common questions about business finance in Australia.
Options include business term loans, lines of credit, equipment finance, invoice factoring, commercial property loans, and merchant cash advances. The right option depends on your business needs, cash flow, and growth plans.
Lenders typically look at your business financials (profit & loss, balance sheet), cash flow, time in business, industry risk, and the business owner's personal credit history. Your broker can help you prepare a strong application.
Startup lending is more challenging but not impossible. Some lenders offer startup-specific products, especially if you have a strong business plan, industry experience, or personal assets as security. Your broker can identify suitable options.
Most small business loans require a personal guarantee from the business owner(s). This means you're personally liable if the business can't repay. Some lenders offer limited or no-guarantee options for established businesses with strong financials.
Timelines vary widely, from same-day approval for small unsecured loans to several weeks for larger secured facilities. Your broker can set realistic expectations and help expedite the process where possible.
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