Business Loans - Lower My Rate

Fuel Your Business Growth with the Right Loan

At Lower My Rate, we understand that every business has unique goals and challenges. Whether you’re a startup with ambitious plans, an established business seeking to expand, or a large enterprise looking to upgrade equipment, we provide personalized business loan solutions
that are perfectly tailored to your needs.

With access to over 50 trusted lenders and a variety of finance options, we help you secure competitive rates that fuel your growth and set your business on a path to success. Our team of experienced brokers will work with you every step of the way, offering expert advice on loan structures, repayment plans, and the best lenders for your specific situation. Whether you’re focused on improving cash flow, expanding operations, or making critical investments, we have the tools and knowledge to help you get there.

Why Choose Lower My Rate for Your Business Loan?

Compare Business Loan Options in Minutes: Quickly explore competitive business loan rates and find the right match for your needs.
Custom Solutions for Startups, SMEs, and Large Enterprises: Tailored finance options designed to support your unique business structure and goals.
Expert Advice on Structuring Finance for Cash Flow, Asset Purchases, or Expansion: Benefit from our expertise in finding the right loan structure to support your growth.
Access to Government-Backed Small Business Support Programs: Get access to exclusive funding programs designed to help businesses like yours thrive.
Personalized Support — We Help You Every Step of the Way: Receive guidance from experienced brokers who ensure you get the best deal.

Features	Benefits
Rates starting from 6.50% p.a.*	Save money with competitive interest rates that boost your bottom line.
Loan amounts from $20K to $5M+	Whether it’s a small upgrade or a major expansion, we can help finance your next big step.
Flexible Terms (1 to 30 years)	Match your loan repayments to your cash flow needs, so you can grow without financial strain.
Secured and Unsecured Options	Choose the level of security that suits your business strategy and risk appetite.
Access to 50+ Top Lenders	With access to an extensive lender network, we offer you more choices, better deals, and tailored solutions under one roof.
Fast-Track Approvals	Don't let banking delays slow you down — secure your loan faster and take advantage of business opportunities right away.
Use Funds for Any Business Purpose	From buying stock to opening new locations, your business loan can be used to fuel your business's unique needs.
Expert Business Finance Support	Make smarter borrowing decisions with advice and guidance from industry experts who understand your needs.
Minimal Paperwork	Spend less time on forms and more time running and growing your business.

What Can You Use a Business Loan For?

Working Capital to Manage Cash Flow: Keep your business running smoothly by maintaining a healthy cash flow.
Equipment, Machinery, or Vehicle Purchase: Invest in the tools you need to enhance efficiency and productivity.
Office or Commercial Space Fit-Outs: Upgrade your business premises to improve operations or attract more customers.
Expansion into New Markets or Locations: Take your business to the next level with a loan to help you expand geographically.
Hiring Staff or Upskilling Your Workforce: Invest in human capital to scale your business operations.
Buying an Existing Business or Franchise: Grow your business portfolio by acquiring existing businesses or franchises.

Am I Eligible?

Australian Citizen, Permanent Resident, or Registered Australian Business Entity

Eligibility for businesses based in Australia.

Minimum 6 Months’ Trading History (For Most Unsecured Loans)

Show proof of your business’s track record to unlock unsecured loan options.

Proof of Income and Business Activity

We’ll need a few documents to verify your business’s financial health.

ABN (Australian Business Number) Registration

To confirm your business’s legitimacy and standing in the market.

How It Works

Step 1

Tell Us About Your Business

Start with a quick online enquiry or phone call to share your needs and goals.

Step 2

Compare
Lenders

We match you with the best rates, terms, and solutions based on your unique business profile.

Step 3

Apply and Get Approved

With minimal paperwork and maximum speed, get the funding you need without the hassle.

Step 4

Grow Your Business

Once approved, funds will be directly deposited into your business account so you can take immediate action.

Bonus Perks When You Choose Lower My Rate

Zero Broker Fees for Most Business Loans: We’re paid by the lender, not you. That means no out-of-pocket broker fees on most deals.
Fast Pre-Approvals: Time is money, and we help you secure pre-approvals in as little as 24–48 hours.
Priority Access to Exclusive Lender Deals: Get rates and offers not always advertised publicly — thanks to our strong lender relationships.
Tailored Business Loan Options: From startups to large enterprises, we provide the right loan structure to support your unique needs.
Ongoing Loan Health Checks: Markets shift, and so can your rate. We monitor your loan and recommend smarter options if better deals pop up.
Dedicated Business Loan Specialist: Work with an experienced broker who understands business finance inside and out — no handoffs or call centre runarounds.

Take the Next Step Toward Growing Your Business

Ready to unlock the potential of your business with the right loan? Lower My Rate is here to
help you secure the funding you need — faster, smarter, and better.

What Our Clients say

"Exceptional Service from Start to Finish!"
“Lower My Rate helped us secure a business loan for our retail store expansion with minimal hassle. The team took the time to understand our needs and found us a great deal quickly.”

Sarah L., Melbourne Retail Business Owner

"Fast and Reliable Support!"
“We needed working capital to get through a cash flow crunch. Lower My Rate understood our situation and helped us secure the funds we needed swiftly.”

James B., Sydney SME Owner

"Smooth Process and Great Communication!"
“As a startup, securing funding was tough, but Lower My Rate made it easy. They walked us through every step and found a perfect loan for our business.”

Emily K., Brisbane Tech Entrepreneur

"Highly Recommend Their Services!"
“We wanted to buy a new piece of equipment for our business, and Lower My Rate connected us with a lender that understood our needs. The process was fast and stress-free.”

Michael T., Adelaide Construction Business Owner

Fuel Your Business Growth with the Right Loan

Why Choose Lower My Rate for Your Business Loan?

What Can You Use a Business Loan For?