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Business Loans

A simple business loan to help you manage or grow your company. This loan can be secured or unsecured with flexible repayment options.

Focus on what you do best

Let’s face it, business owners know how to run their business, but very few have the appetite to start the lengthy and complicated process of applying for finance. That’s where an Inovayt commercial broker comes in. Once you have experienced our value, service, choice and professionalism, it’s likely you’ll never go directly to a bank again.

How can a business finance professional help?

For years, business owners have remained loyal to traditional banks because they’re unaware of the available alternative options. However, times are changing, and business owners are beginning to realise the value of having an experienced business finance professional or commercial broker to advocate on their behalf!

What can business loans be used for?

A business loan can be used to help your business grow and evolve. You may have an opportunity to acquire the premises from where you operate your business, or perhaps you need finance to purchase a competitor’s business.

Business loans are traditionally secured by residential or commercial property. However, unsecured options are starting to be offered by lenders that are interested in seeing smaller businesses grow. Lenders want to know how the business intends to use the borrowed monies, so business owners must make sure they clearly outline how the money will be spent. Both unsecured and secured lending will require the business to meet certain turnover and profitability criteria.

What our clients say

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Scott Hughes profile picture
Scott Hughes
October 20, 2026
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Inovayt were extremely helpful, the team all worked together to get a result we were happy with.
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Abbey O'Callaghan profile picture
Abbey O'Callaghan
October 19, 2026
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This is the second time Inovayt has helped me purchase a property. Chris was responsive and helpful throughout the entire process, answering my questions and consistently providing options that suited my personal circumstances. Beyond securing the mortgage, Chris and the team continued to support me throughout the term of my previous loan, making sure I was always getting the best rate possible. I always felt that Chris genuinely wanted the best outcome and value for me, and worked hard to make it happen. Couldn’t recommend Inovayt more highly!
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Yehudah Kinderman profile picture
Yehudah Kinderman
October 19, 2026
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This is our second home loan successfully executed by Simon and the team and he has done a magnificent job for us. Countless hours on the phone discussing and figuring things out and we can’t recommend Simon enough! For anyone considering top quality Melbourne service with a great bloke, this is perfect for you. Steve and Sossy
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Todd Milham profile picture
Todd Milham
October 18, 2026
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We had the absolute pleasure of working with Duane to purchase our first home. We were pretty hard customers as business owners, but he was incredibly efficient, kept us up-to-date with each stage, and worked tirelessly to secure us finance. Could not be happier and highly recommend Duane and the wider Inovayt team for all your financing needs!
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Debbie Sims profile picture
Debbie Sims
October 16, 2026
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It’s been slow and methodically completed, with them finding out of needs, what we felt comfortable doing and then thoroughly and transparently provided our options. They were very supportive and patient. There communication was on point and efficient
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Diana Brown profile picture
Diana Brown
October 15, 2026
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Brendan and Kat were great highly recommend
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Zac Thompson profile picture
Zac Thompson
October 15, 2026
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Couldn’t recommend Duane enough! Being first-home buyers, we had no idea what to expect going into the whole process, but Duane made everything so much easier. He was always happy to answer any questions we had, explained everything clearly and made sure we knew what was going on every step of the way. He went above and beyond to help us get into our first home and genuinely made the whole experience a lot less stressful than we expected. Really appreciate all the time and effort he put into helping us out. Couldn’t have asked for a better broker and would definitely recommend him to anyone looking to buy a home. Thanks again, Duane!
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David Anstis profile picture
David Anstis
October 14, 2026
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Could not fault the service provided, Justin and his team were excellent. From initial consultation to settlement was speedy and seamless. The solution provided was not only comparable but addressed all my requests and concerns. 10/10 recommend .

How does it work?

Business loans have much lower interest rates, and extended terms are available from 10 – 30 years. These interest rates can be fixed or variable. A fixed interest rate means the interest rate remains the same for the duration of the loan. A variable interest rate indicates the interest rate can fluctuate in line with the market. Loan repayments can be both interest only or principal and interest.

When applying for a business loan, lenders evaluate the company’s history, the amount of debt the company has, the financial turnover and profitability. To be considered for a business loan, your business needs to be over 12 months old with a completed full years’ financials as a minimum. Our commercial brokers know how to best position you to be approved by a lender of choice.

Helpful resources

finance resources

Financing your business

Invest time into your business finances. Our business finance guide unpacks everything you need to know about financing your business.

Latest Blogs

Find an Inovayt Commercial broker near you

  Jason Pogorelec

Jason Pogorelec

Senior Finance Broker
  Justin Coughlin

Justin Coughlin

Partner | Senior Finance Broker
  Kathy Stammers

Kathy Stammers

Senior Finance Broker

Our team of experienced commerical brokers help you discover the right financial solutions for you and your business, so you can put your business in the best possible situation to grow, while having piece of mind.

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Start your journey, contact Inovayt today
Start your journey, contact Inovayt today
Start your journey, contact Inovayt today
Start your journey, contact Inovayt today