Quick answer
Sydney businesses that banks decline can access alternative business loans through specialist lenders who assess bank statements, purpose and any property security. Unsecured funding typically runs from $5,000 to $500,000, and loans secured by Sydney residential or commercial property run $20k to $5m, without a valuation before approval.
Key points
- Unsecured $5k to $500k sized on turnover
- Property-secured $20k to $5m against Sydney property
- High property values often mean strong usable equity
- Everything handled by phone and electronic signing
Sydney’s business landscape
Sydney is home to an enormous range of small businesses: professional firms in the CBD and North Sydney, logistics and manufacturing across Western Sydney, hospitality strips from Newtown to Manly, trades servicing constant renovation and construction, and retail in every suburban centre. High rents and wages make cash flow management critical, and a tax debt or a slow quarter can quickly stretch even established businesses.
Common situations we see in Sydney
| Situation | Typical route |
|---|---|
| Hospitality venue declined by its bank | Bank statement lending or equipment finance |
| Western Sydney logistics firm growing fast | Invoice finance or asset finance |
| Tradie with ATO debt after a strong year | Unsecured tax debt loan |
| Owner with home equity needing a larger amount | Second mortgage or caveat |
| Professional firm buying out a partner | Property-secured acquisition loan |
Using Sydney property equity
Many Sydney owners have built substantial equity in their homes over years of price growth, often sitting behind a low-cost bank loan. A second mortgage or caveat can use that equity for the business without disturbing the home loan. Loans run between $20,000 and $5,000,000, interest can be prepaid or capitalised, and the terms are flexible. No valuation is needed before approval; the property is assessed from recent sales nearby.
NSW-specific notes
Property security in New South Wales is recorded through the NSW land registry system. If you are buying commercial premises, transfer duty applies and Revenue NSW sets the rules. The NSW Small Business Commissioner offers support for small businesses in disputes, including with landlords and suppliers, which can be useful before a disagreement turns into a credit problem.
An illustrative example
A Marrickville coffee roaster supplying cafes across the inner west wanted a larger roaster to meet demand, but the business had an ATO balance from a growth year. A second mortgage over the owners’ home cleared the tax and funded the roaster, with interest added to the balance for the first stretch.
Nearby regions
We also help businesses in Newcastle, the Central Coast and Wollongong.
What to prepare from New South Wales
Six to twelve months of business bank statements, recent BAS, identification and the purpose. Property-secured loans add the address and any mortgage statement.
Talk to us from anywhere in Sydney
Take a minute to enquire. There is no credit check for a first chat, someone experienced reviews it, and nothing gets shared. See what your Sydney business can access.
Frequently asked questions
Do you help businesses across Greater Sydney?
Yes, from the CBD to Western Sydney, the Hills, the Shire and the Northern Beaches, plus regional New South Wales.
Can I use my Sydney home as security?
Yes. Many Sydney owners have significant equity behind their home loan, which a second mortgage or caveat can use.
How are NSW property loans registered?
Mortgages and caveats on NSW land are dealt with through the NSW land registry system. Your solicitor handles the registration.
Do I need to visit an office?
No. Everything can be done by phone, email and electronic signing.
Prefer to start now? Enquire here
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