Free business loan calculators
Loan Route Finder
Seven questions, an instant answer. See which loan routes usually fit a business like yours, and the reasons behind each one.
Got a number? Let a real person sanity-check it
A calculator is a starting point. A 60-second enquiry gets someone who handles declined and unusual deals to test it against your actual bank statements. No credit check when you first enquire.
How the Loan Route Finder thinks
Lenders outside the big banks tend to sort a request using a handful of questions, even if they never say so out loud. How long has the business been trading? What actually goes through the bank account each month? Is there anything on the credit file or with the ATO that needs explaining? And is there property behind the business that could carry some of the risk? This tool asks the same questions and maps your answers to the routes that usually work.
The main routes, in plain English
- Unsecured cash flow funding. Sized on turnover and bank statements, typically $5,000 to $500,000. Quick, light on paperwork, repaid over a shorter term. See unsecured business loans.
- Low doc funding. For businesses whose tax returns or financials are behind. Bank statements and BAS do the talking. See low doc business loans.
- Bad credit or tax debt specialists. Lenders who look past the score at what the account shows now. See bad credit business loans.
- Property-secured loans. $20,000 to $5,000,000 by first mortgage, second mortgage or caveat, with no valuation needed before approval. See secured business loans.
Why the size of the request matters
Unsecured lenders size loans as a share of what flows through your account. Ask for far more than a few months of deposits and the unsecured route narrows quickly, whatever your credit looks like. When the amount is large relative to turnover, property security is usually the way to make it work. The finder flags this so you are not surprised on the first call.
Next step
Treat the result as a map, not a verdict. Start a 60-second enquiry with the same answers you gave here and a real person will confirm the route, usually within a business day. There is no credit check when you first enquire, and your details stay with one team.
Questions about this tool
Is the Loan Route Finder an approval?
No. It reflects the patterns we see most often for businesses with your answers. A real person still needs to look at your bank statements, credit file and purpose before anything is offered.
Why does owning property change the answer so much?
Property gives a lender something tangible to lend against. That lets credit history, tax debt or short trading time matter less, and opens larger amounts and longer terms than unsecured funding.
What if I get more than one suggestion?
That is common. Many businesses could use either an unsecured facility or a property-secured loan, and the better choice depends on the amount, the cost and how quickly it needs to be repaid.
Does it store my answers?
No. It runs in your browser and nothing is sent anywhere unless you choose to make an enquiry.
Our promises
No credit check to enquire
Find out what is realistic before anything touches your credit file. A check only happens if you choose to go ahead.
Not sprayed to a pile of lenders
Your enquiry is not auctioned or blasted around. One team reads it and works it through properly.
A real person on your file
Someone who understands declined and unusual deals calls you back. Answer the form accurately and we can match you properly first time.
More free calculators
Repayment Calculator
Enter the amount and the total cost of finance you were quoted. See daily, weekly and monthly repayments. No rates assumed.
Open the calculator →Cash Flow Gap Calculator
Money in, money out and when. Find the size and timing of your cash flow gap before you borrow.
Open the calculator →Property Equity Calculator
Property value and what you owe. See your LVR and the usable equity a secured lender could work with.
Open the calculator →ATO Debt Options Calculator
Compare a payment plan with clearing the debt using finance, using costs you enter yourself.
Open the calculator →Loan Readiness Checklist
Tick off the documents you have. See what is missing for low doc, full doc and property-secured routes.
Open the calculator →Done the sums? Let's test them against your real numbers.
One short enquiry. No credit check when you first enquire, a real person reading it, and your details kept with one team instead of being shopped around.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file