Ingenious Finance offers business loans in Melbourne and small business loan brokers in Melbourne as finance solutions.

Need funding to launch, expand, or sustain your business? At Ingenious Finance, we offer tailored business loan solutions in Melbourne that align with your goals and cash flow needs. Whether you’re a startup, small business, or established company, we connect you with the right lending partner to secure fast, flexible, and affordable business financing.

With access to 40+ lenders and years of industry experience, we help Melbourne-based entrepreneurs and business owners turn opportunities into reality.

Your Trusted Business Loan Broker in Melbourne

Every business is unique—and so are your funding needs. That’s why we don’t believe in one-size-fits-all loans. As your business loan broker in Melbourne, we match you with the right product and lender based on your industry, turnover, loan purpose, and growth plans.

Our Business Loan Options Include:

• Unsecured Business Loans – No collateral needed
• Secured Business Loans – Larger loan amounts at lower interest rates
• Business Line of Credit – Access funds on demand
• Equipment & Asset Finance – Finance machinery, vehicles, or tools
• Invoice Finance – Unlock cash from unpaid invoices
• Short-Term Loans – Quick working capital for urgent needs
• Commercial Property Loans – Buy or refinance business premises

Why Choose Ingenious Finance?

At Ingenious Finance, we don’t just help you get a loan—we help you make the right financial decisions for your business. From initial assessment to approval and beyond, we’re by your side at every step.

What You Get:

• Tailored Loan Solutions – Based on your needs and business profile
• Fast Turnaround – Approval and funding in as little as 24–72 hours
• Expert Guidance – Transparent, practical advice from loan specialists
• Access to 40+ Lenders – Including banks, private lenders, and fintechs
• Simplified Process – We handle the paperwork and negotiations
• No Hidden Costs – Transparent terms with zero surprises

Who Can Apply?

Our business loans are ideal for:

• Startups and early-stage businesses
• Sole traders and freelancers
• Small-to-medium enterprises (SMEs)
• Franchise owners
• Growing businesses in need of working capital

Minimum eligibility:

• Australian-registered business (ABN/ACN)
• 6+ months of trading history preferred
• $5,000+ in monthly revenue (varies by lender)

Even if you don’t meet all criteria, we may have alternative options. Let’s chat!

How It Works

Step 1: Contact Us
Tell us about your business goals and funding needs.

Step 2: Get Matched
We compare lenders and recommend the best loan options for your situation.

Step 3: Get Approved & Funded
We handle all paperwork and get your loan processed quickly and efficiently.

Common Questions About Business Loans in Melbourne

Q1: What is the maximum amount I can borrow with a business loan in Melbourne?

Depending on your income, credit score, and the type of loan you want, the amount you can borrow is usually between $5,000 and $5 million.

Q2: How much interest do you have to pay on a business loan in Melbourne?

Rates change depending on the type of loan, the lender, and the borrower’s risk profile. We are small business loan brokers in Melbourne, and we compare lenders to get you the best rates.

Q3: Is it possible for a new business in Melbourne to get a loan?

Yes, especially if you have a good business plan or an asset that is safe. There may also be options backed by the government.

Q4: How long does it take to get a loan for a business in Melbourne?

You can get an unsecured loan approved in one to two days. Depending on how quickly the lender processes the loan, it could take 1 to 2 weeks.

Q5: Do I need to put up collateral to get a business loan in Melbourne?

No. A lot of lenders offer unsecured loans, especially to businesses that don’t pose a lot of risk and have steady cash flow.

Suburbs We are small business loan brokers in Melbourne.

We offer our services all over Melbourne and the areas around it. We’re the best small business loan brokers in Melbourne, and we can help you no matter where you are in the city, whether it’s the CBD, Docklands, Richmond, Southbank, Brunswick, Footscray, Dandenong, Werribee, or Geelong.

Get in touch with Ingenious Finance, your reliable small business loan brokers in Melbourne.

If you want to get a business loan in Melbourne, work with Ingenious Finance to get expert help, quick approvals, and personalised financial solutions.