Quick answer
Brisbane businesses turned away by banks can access alternative loans from lenders who assess bank statements, purpose and property security. Unsecured funding typically runs from $5,000 to $500,000, and loans secured by Queensland residential or commercial property run of $20,000 up to $5,000,000, with no valuation needed before approval and bad credit or ATO debt considered.
Key points
- Construction and trades are major Brisbane sectors
- Unsecured $5k to $500k; property-secured $20k to $5m
- Queensland property registered through Titles Queensland
- Fast, remote process across South East Queensland
A city building for the future
Brisbane and South East Queensland have seen strong population growth, and the region is preparing to host the 2032 Olympic and Paralympic Games. That brings steady demand for construction, trades, hospitality and services, along with the classic cash flow pressures of growth: more staff, more materials, more waiting on progress payments.
Common situations in Brisbane
| Situation | Typical route |
|---|---|
| Subcontractor waiting on a head contractor | Line of credit or caveat loan |
| Trades business buying a second vehicle | Equipment finance |
| Hospitality venue in Fortitude Valley or South Bank | Bank statement lending |
| Business with ATO debt and Queensland property | Second mortgage |
| New ABN after years in the industry | Specialist lender or property security |
Queensland property as security
Residential and commercial property across Queensland can secure business loans from as little as $20,000 up to $5,000,000. Security is registered through the Queensland titles system, no valuation is needed before approval, and interest can be prepaid or added to the loan. See secured business loans.
Support for Queensland businesses
Business Queensland provides practical guidance for running a business in the state, and the Queensland Small Business Commissioner can help with disputes, such as unpaid invoices or lease issues, before they damage cash flow.
An illustrative example
A Brisbane joinery business won a large kitchen package for a townhouse development. The builder paid on stage completion. A line of credit sized on its bank statements covered timber and wages until claims were paid, and was repaid as each stage was certified.
Across South East Queensland
See also the Gold Coast, Sunshine Coast and Toowoomba.
What to prepare from Brisbane
Six to twelve months of business bank statements, recent BAS, identification and a clear purpose. Builders and trades should include a schedule of current jobs and claim dates. Hospitality venues should provide a full year of statements. For property-secured loans, include the property address and any mortgage statement. If your business is preparing to bid on larger infrastructure or event-related work, a short summary of the opportunity helps a lender understand why you need funding now.
Talk to us from anywhere in Brisbane
Use the 60-second form. Asking involves no credit check, an expert looks it over, and there is no lead selling. See what your Brisbane business can access.
Frequently asked questions
Do you help businesses across South East Queensland?
Yes, including Brisbane, Logan, Ipswich, Moreton Bay, the Gold Coast and the Sunshine Coast.
Can Brisbane builders and trades get finance with slow-paying clients?
Yes. Lines of credit, working capital loans and property-secured loans are common for construction cash flow.
How is Queensland property security registered?
Through the Queensland titles system. Your solicitor handles it.
Is there help for Queensland small businesses in disputes?
The Queensland Small Business Commissioner provides information and dispute support.
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