Business Loans and Commercial Finance

Business Loans to help grow your business

A business loan is a commercial finance facility that provides funding for business purposes such as working capital, expansion, equipment purchases or cash flow management, repaid over an agreed term with interest. When your business needs to grow, expand or unlock working capital for everyday running of the business, speak to Gateway Finance. Use our borrowing power calculator to estimate your business borrowing capacity.

Limiting your loan options to just one bank or one lender is limiting your business growth and investment opportunities. Gateway Finance breaks those limitations by offering you more lenders, more options and more chances to reduce your financing costs.

We deliver highly competitive and workable funding offers to help you do what you do best - running your business. Offers from a wide selection of banks and lenders with your choice of commercial finance products, flexible terms and conditions and our signature low interest rates.

With most banks and lending facilities available to us, we can broaden your options to secure better finance deals that support your business. We will support your business beyond just one loan, working with you to revitalise your operation with cheaper, more affordable finance options.

Customised Financing

We'll work with you to find the financing solution that fits your needs.

Flexible Repayment Options

We offer a range of repayment options to fit your budget and business financial goals.

Competitive Rates

Our business loans offer competitive rates and terms, allowing you to save money on interest charges and reduce the overall cost of your project.

Access to More Lenders

Limiting your loan options to just one bank is limiting your business growth. We offer more lenders, more options and more chances to reduce your financing costs.

Expertise and Guidance

We have a deep understanding of the finance industry, including the latest trends and best practices to help your business thrive.

Ongoing Support

We support your business beyond just one loan, working with you to revitalise your operation with cheaper, more affordable finance options.

What documents does a business loan application need?

A business loan application typically requires recent financial statements, tax returns, business activity statements, bank statements and details of existing debts. Lenders may also request a business plan or cash flow projections. Your broker will tell you exactly which documents each lender needs and help you prepare a complete application to avoid delays.

Can a new business get finance?

Yes, new businesses can access finance, though the options may be more limited than for established companies. Lenders may rely on the directors' personal income, credit history or available security. Some specialist lenders focus on start-ups. A broker can identify which lenders assess new businesses most favourably and structure the application accordingly.

How much can my business borrow?

The amount your business can borrow depends on your revenue, cash flow, existing debts, available security and the lender's assessment of your ability to repay. Lenders typically apply serviceability ratios to ensure repayments are sustainable. A broker can model different loan amounts across multiple lenders to show you what is realistic for your circumstances.

What is the difference between secured and unsecured business lending?

Secured business lending uses an asset, such as property or equipment, as collateral, which generally results in lower interest rates and higher borrowing limits. Unsecured lending does not require collateral but usually carries higher rates and stricter credit requirements. Your broker can advise which structure suits your cash flow and risk tolerance.

How long does business loan approval take?

Business loan approval typically takes between one and four weeks, depending on the lender, the loan type and how quickly you supply supporting documents. Simple unsecured loans may be faster, while secured or complex applications take longer. Your broker manages the process, follows up with the lender and keeps you informed throughout.