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.


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.

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
DR. LISA BRIDGETT

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.
How much can I borrow with a small business loan?
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.
How long does the loan approval process take?
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.
What are the typical repayment terms for small business loans?
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.
Can I use a small business loan for equipment financing or property purchase?
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
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones

From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu

Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan

It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw

Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Speak to Us
Get Expert Support for Your Small Business Loan

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.