Small Business Loans

Let stellar finance group help you find the right small business loan so you can get on with running your business

Time to Grow Your Business?

Whether you’re expanding, enhancing cash flow, or tackling new challenges, there’s small business loans for every need. Choose from secured loans backed by assets or flexible unsecured loans. Find the fit that’s right for your business journey.

Secured Lending

These are like the trusty old boots of small business loans, grounded by an asset (think property or wheels) which serves as collateral. They often come with lower interest rates because, well, they're less of a gamble for the lender.

Unsecured Lending

No collateral? No problem. These small business loans don't require you to pledge assets, making them the wild cards of financing. They typically have higher interest rates due to the increased risk to lenders.

Business loans

Thinking About Taking Your Business to the Next Level?

We are here to ensure your small business loan not only fits like a glove but also maximizes your investment. With an arsenal of different small business loans at our disposal, we’re poised to help you access the most flexible options tailored to your needs, including:

– Boosting your business working capital
– Acquiring a new business or franchise
– Investing in or purchasing commercial property
– Developing residential and commercial properties
– Financing essential equipment

To get a better sense of how much you can borrow, check out our Borrowing Power Calculator.

small business loans
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Business loans

Fund Urgent Repairs with Business Loans

When unexpected repairs threaten to disrupt your operations, you need funding that’s fast, flexible, and designed to keep your business running smoothly. Stellr Finance Group offers tailored business loan solutions to cover urgent repairs, ensuring that maintenance or unexpected fixes don’t derail your growth. With our streamlined process and expert guidance, you can secure the capital needed to address critical issues quickly—protecting your investment and your bottom line.

Business loans

Ready to take the plunge with a small business loan?

 

Ready to take the plunge with a small business loan? Great choice! Here’s our step-by-step guide to get you from decision to action…

Step 1: Prep for your application
Have a quick chat with us and we can complete your application in just 10 minutes. We will need details about your business, yourself, and your business bank statements. Have your financial statements, ID and personal financial details ready. 

Step 2:
Quick Processing
We will submit and manage your application. Approval can come as quickly as 1 business day, with immediate fund transfer.

Step 3: Get Funded
Once approved, the funder will deposit the funds directly into your bank account.

Step 4: Make Repayments
Repay your loan over 6 to 24 months with convenient weekly payments based on your loan amount and term.

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How to Apply for a Small Business Loan

Step 1: Consultation

Start with a free consultation where we discuss your business funding needs, whether for expansion, equipment financing, or cash flow management.

Step 2: Document Preparation

We guide you on gathering essential documents such as financial statements, identification, bank statements, and your business plan if needed.

Step 3: Application Submission

Our team submits your loan application to multiple lenders, working to secure the best loan terms and increase your chances of approval.

Step 4: Approval and Funding

Once approved, funds are typically deposited quickly into your account, and we continue supporting you with loan management and future business financing options.

Who We Are

FOUNDED BY

DR. LISA BRIDGETT

IN MARCH 2017
Lisa Bridgett offering Trusted Mortgage Broker NSW

At Stellar Finance Group, we’re a boutique finance brokerage specialising in helping small business owners across Australia access smart, personalised lending solutions to grow and manage their businesses.

Led by Dr. Lisa Bridgett, a PhD-qualified finance expert, we provide strategic advice, customised loan structures, and end-to-end support. Whether you need secured business loans, flexible unsecured options, or equipment financing, we make the process straightforward and stress-free.

We work with a broad panel of trusted lenders and understand the nuances of lending criteria, loan terms, and lender policies. Our clients rely on us because we take the time to understand their unique business needs and financial situation, matching them with the best small business loan or business financing option.

Whether you’re seeking new funding or refinancing existing loans, our goal is to save you time, reduce complexity, and help you make confident financial decisions for your business today and tomorrow.

How Small Business Loans Work

Your Trusted Partner in Property and Finance

A small business loan provides the funds you need to invest in growth, manage cash flow, or cover unexpected expenses. Typically, you’ll apply for either a secured business loan, backed by assets like property or equipment, or an unsecured loan, which doesn’t require collateral but may have higher interest rates.

Once you submit your application with key documents, lenders assess your business’s financial health, credit score, and repayment capacity. Upon approval, funds are deposited directly into your business account, ready to use for your specified purpose.

You repay the loan over an agreed loan term through regular repayments, which can be weekly, fortnightly, or monthly depending on the loan agreement. Throughout the process, we help you understand your loan options and manage repayments to fit your cash flow cycle.

Benefits of Small Business Loans

Small business loans offer flexible funding solutions that empower you to seize growth opportunities and manage everyday expenses. With options ranging from secured business loans offering lower interest rates to unsecured loans providing quick access without collateral, you can find financing tailored to your needs.

These loans help improve cash flow, purchase essential equipment, finance property, and expand your operations without draining your savings.

Additionally, working with Stellar Finance Group means personalised support to navigate lending criteria and secure competitive loan terms that work for your business’s unique financial situation.

Frequently Asked Questions

What types of small business loans are available?

You can choose from secured business loans, which require collateral like property or equipment and typically offer lower interest rates, or unsecured loans that don’t require collateral but may have higher rates. Other options include equipment financing, business lines of credit, and short-term loans tailored to specific cash flow needs.

Loan amounts vary depending on your business’s financial health, credit score, and the lender’s policies. Secured loans usually allow higher borrowing limits, while unsecured loans tend to have lower maximum amounts. During the application process, lenders assess your loan amount eligibility based on your revenue, cash flow, and repayment capacity.

Approval times vary by lender and loan type but can range from as fast as 24 hours for some unsecured loans to several weeks for more complex secured loans. Stellar Finance Group works to streamline your application, submitting it to multiple lenders to speed up the process and increase your chances of quick approval.

Repayment terms can range from 6 months up to 5 years or more, depending on the loan type and lender. Repayments can be weekly, fortnightly, or monthly to suit your cash flow cycle. We help you understand your options so you can choose terms that align with your business’s financial situation.

Yes, many lenders offer loans specifically designed for purchasing equipment or commercial property. These loans can be structured as secured loans, leveraging the asset as collateral, or as unsecured loans depending on your eligibility. We help match you with the right loan product that supports your business investment plans.

Hear From Our Clients

Speak to Us

Get Expert Support for Your Small Business Loan

Lisa Bridgett offering Trusted Mortgage Broker in New South Wales

Our experienced team at Stellar Finance Group is here to provide clear answers, tailored advice, and the right solutions to support your business goals. Whether you’re looking to boost cash flow, finance equipment, or invest in expansion, we’ll guide you through every step of the process. Contact us today for fast, friendly support and a small business finance solution that truly fits.