Option 1Business term loan
Best forA one-off purchase, fit-out or growth project
How it worksA lump sum repaid over a set term
SecuritySecured or unsecured, depending on the lender
What we finance
Lending for every stage
From sole traders to established companies. The right product depends on what the money is for.
- Secured and unsecured loans
- Working capital
- Lines of credit
- Invoice finance
- Equipment and machinery
- Business vehicles
Start to settlement
You do three things. We do the rest.
We find the lenders that approve files like yours, prepare the application properly the first time, lodge it and chase the lender, and keep you posted until the funds settle.
Get Approved- Tell us what you needA couple of minutes online. No credit check for a quote.
- Have your documents readyDriver licence, proof of income and what the funds will cover.
- Get back to businessWe keep you posted until the funds settle.
Your situation
Where is your business at?
Lenders weigh time trading, turnover and security in different proportions. Pick the one that sounds like you.
Sole trader or tradie
Funding under your ABN for stock, tools, vehicles or a quiet quarter, with lenders on our panel who work with small operators every day.
Newer business
Some lenders want two years of trading. Others will look at twelve months, or newer again with security behind it. We know which is which.
No current financials
Several lenders assess ABN holders on business bank statements rather than full financial statements. Consistent deposits matter more than one perfect month.
More on low doc business finance
A few credit scars
Tell us upfront. You get an honest read on where you stand before anything is lodged, so you are not collecting declines that make the file worse.
Structures and options
Term loan, credit line or invoice finance?
Commercial lending covers more than one product. Here is how the three most common compare.
Option 2Line of credit
Best forStock, seasonal swings and smoothing cash flow
How it worksA limit you draw on and pay back as revenue comes in
SecurityVaries by lender and facility
Option 3Invoice finance
Best forBusinesses waiting on customers to pay
How it worksA specialist funder advances money against unpaid invoices
SecurityYour outstanding invoices back the facility
Which products are open to you depends on your trading history, turnover and industry, and every application is subject to lender criteria and credit assessment.
Get ApprovedRepayment estimator
Work out your repayments
Move the sliders to see roughly what repayments could look like. When you enquire, we compare real lender options for your situation.
Indicative estimate only. The rate is an example you choose, not a rate we are offering. Actual repayments vary by credit profile, lender, fees and product type, and this is not a quote or an offer of credit.
The process
How it works
1
Step 01
Enquire
Two minutes online. No credit check, no obligation, no sales pitch.
2
Step 02
We match
We compare our panel of 30+ lenders and come back with the option whose criteria fit your business.
3
Step 03
You approve, we lodge
Once you're happy, we prepare the application, lodge it and chase the lender so you don't have to.
4
Step 04
Funds settle
Approvals often land within 24 to 48 hours once your documents are in, subject to lender criteria and credit assessment.
Ready to see where your business stands? Start your enquiry. Two minutes, no credit score impact, and a straight answer either way.
Why Solvyr Capital
Finance brokering done right.
We work with clients and lenders right across Australia. As a credit representative under AFAS Group's Australian Credit Licence, we're held to strict compliance and professional standards.
We move fast
Quick answers and updates at every step. Your time is money and we don't waste it.
Licensed & compliant
CR No. 576829 under AFAS Group ACL 414426. FBAA M-362098. AFCA 121188.
Deals others can't do
Self-employed, adverse credit, new ABN, specialist assets. Our lender relationships are built for it.
Transparent & honest
We work for you, not the lender. Straight about your options, the fees and the best path forward.
Highly recommend Solvyr Capital. They helped me with finance for my car and made the whole process very quick and easy. Very professional, easy to communicate with, and everything was explained clearly. Great broker and great service. Thank you!
Highly recommend!! Wouldn't go anywhere else. Super efficient, professional service.
Had a great experience with Nash, very friendly extremely helpful was super good process getting my loan with Solvyr
The detail
Know before you apply
The longer read, for when you want the full picture. Tap a topic to open it.
Business loans we arrange
Solvyr Capital arranges business lending for clients Australia-wide, from sole traders and tradies to established companies. Commercial lending is a broad label, and the right product depends on what the money is actually for. One conversation covers the lot:
- Secured business loans. Backed by property, equipment or another asset. Security widens the pool of lenders willing to look at your file.
- Unsecured business loans. No asset required. Lenders lean harder on trading history and bank statements instead.
- Working capital finance. Cover a stock order, a tax bill, a quiet quarter or the gap between invoicing and getting paid.
- Vehicle and equipment finance. Utes, trucks, machinery and tools, financed under the business. If it's a car for the business, our car finance page covers that side in detail.
One thing we don't do: tax advice. Whether an asset should sit in the company, a trust or your own name is a structure question, so ask your accountant before you sign anything. We arrange the finance and leave that call to them.
Why a broker beats applying bank by bank
Apply directly and you get one lender's answer, based on one lender's criteria. If they say no, you start again somewhere else, and every formal application can leave a mark on your credit file. Do that three or four times and the file itself starts working against you.
We work differently. You tell us your situation once. We know which of our 30+ lenders, banks and specialist non-bank lenders alike, actually approve files like yours, and we place your application there first. A cafe eighteen months into trading can be a flat no at one lender and a workable file at another. The criteria really do differ that much. Because we do this every day, we also know the gap between a lender's advertised policy and what their credit team passes in practice.
The initial enquiry takes about two minutes and does not affect your credit score. Nothing formal touches your file until you've seen the option we recommend and told us to go ahead.
What lenders actually assess
Every lender on our panel weighs the same three things, just in different proportions:
- Time trading. Some want two years of history behind an ABN. Others will lend to a business twelve months in, or newer again with security behind it.
- Turnover. Most lenders now read your business bank statements directly, usually the last six to twelve months. Consistent deposits matter more than one perfect month.
- Security. Offering property or equipment opens more doors. Plenty of lenders on our panel don't require it at all.
No up-to-date financials? That doesn't end the conversation. Several of our lenders offer low doc business finance for ABN holders, assessed on bank statements rather than full financial statements. Having your ABN details, ID and recent bank statements ready is usually enough to get moving.
And if your credit file has a few scars, tell us upfront. We'll give you an honest read on where you stand before anything is lodged, so you're not collecting declines that make the file worse.
Good to know
FAQs
Rather talk it through?
or call 0468 157 797
Tell us what you are looking to finance and get a straight answer. The enquiry does not affect your credit score.
Get Approvedor call 0468 157 797
How fast can I get a business loan approved?
Once your documents are in, approvals often land within 24 to 48 hours. Timing depends on the lender and the complexity of your file, and every approval is subject to lender criteria and credit assessment. The initial enquiry itself takes about two minutes.
Can I get a business loan without financial statements?
Often, yes. Several lenders on our panel offer low doc options for ABN holders, assessed mainly on business bank statements rather than full financials. You still need to show consistent turnover, and approval is subject to lender criteria and credit assessment.
Does enquiring about a business loan affect my credit score?
Our initial enquiry does not affect your credit score. Nothing touches your credit file until you choose a lender and we lodge a formal application with your go-ahead. That formal application does involve a credit check, which is standard with any lender.
Do I need security to get a business loan?
Not always. Unsecured options exist for businesses with solid trading history and clean bank statements. Offering security, such as property or equipment, generally widens the range of lenders willing to consider your application. We will tell you which path fits your situation before anything is lodged.
How much does a broker charge for a business loan?
In most cases you do not pay us directly. Solvyr Capital acts as a credit representative and may receive a commission from the lender when your loan settles. Any commission is disclosed to you before you proceed.
