Fast, Flexible Business Funding in Just 2 Hours - No Strings Attached

Australia’s first completely automated online business finance service. Apply in minutes, get approved fast, and access your funds in as little as 2 hours

  Thousands of businesses have secured the funding they deserve with our help
  

See what they have to say about their experience with our platform.

The Future of Business Finance is Here.

How it works

AI-Powered Pre-Qualification

Quick, 3-minute questionnaire with immediate results.

Choose Your Application Path

Apply online or with an agent over the phone.

Document Upload

Upload bank statements and financials.

Approval & Funding

Get approved in 30 minutes and receive funds within 2 hours.

Simple low fees

When you cash-in an invoice with Marmalade we'll only ever charge a low one-off processing fee

CASH-IN 

of total invoice value

Fees vary depending on the invoices selected and are always disclosed before you choose to cash-in

from 2%

"Anticipating project demands, we obtained a $70,000 finance to buy necessary materials. The financing was timely, allowing us to keep projects on track. We cleared the loan in under two months."

David K
Director

Construction Firm - Penrith, Sydney

Get in Touch

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Disclaimer

By using the Site, you acknowledge and agree that you have had an opportunity to read and understand our Privacy Policy. Our Privacy Policy helps you understand how we collect, handle, use, and share personal information, and contains information about how you can seek access to, and correction of, your personal information held by us. It also explains how you can complain about a breach of your privacy and how any such complaint will be handled.. You are responsible for maintaining the confidentiality of any account details that you may have in relation to the Site. This may include attributes such as an account identifier and password. You agree to immediately notify us if you know there has been or suspect any unauthorised use of your account or other breach of security. 

"We secured a $40,000 loan to upgrade our server infrastructure ahead of a new client project. The financing was quick and hassle-free, allowing us to deliver on time and exceed client expectations."

Jason
CEO

Tech Sector - Southbank, Melbourne

"With the holiday rush coming up, we organised a $200,000 loan to grow our fleet just in time. The funds came through fast, so we could keep up with deliveries without missing a beat."

Emma T
CEO
Logistics Company - Sutherland Shire, Sydney

SmartBiz Loans Lender Panel

Is my business eligible for unsecured loans?

Yes, many of our lenders offer unsecured loans, and eligibility can vary depending on your unique business situation. Our diverse panel of lenders allows us to match you with one that's more likely to approve your loan request, even if you don't have traditional collateral.

How much can I borrow?

Our partners offer loans amounts from $5,000 up to $500,000, with repayment terms from 24 to 60 months.

 

How does SmartBiz Loans work?

SmartBiz Loans simplifies the process of securing business finance. You start by taking a quick online quiz to tell us about your business. We use your responses to match you with the right non-bank lender in our network. Your selected lender will contact you within 60 minutes, offering a tailored finance solution for your specific situation.

What makes SmartBiz Loans different from traditional banks?

SmartBiz Loans offers a faster, more flexible, and less bureaucratic approach to business finance. Unlike traditional banks, our streamlined process minimises paperwork and lengthy approval times. We focus on providing you with transparent terms, without the hidden fees and stringent requirements often associated with banks.

SmartBiz Loans © 2024 All Rights Reserved. 

Spend less time chasing invoices 

When you cash-in an invoice with Marmalade, we take on all the risk of customer payment.

That means our team of customer service pros will follow up with a gentle reminder on your behalf. So you can spend less time chasing unpaid invoices, and have cash in the bank when you need it. 


Book your free trial now to learn more


Book Now

Is your service really free with no obligations?

Yes, SmartBiz Loans are entirely free to use, and there are no hidden obligations or fees. We believe in empowering businesses by providing information and matching you with the right lender. You're under no obligation to commit to any lender we connect you with, and our service remains free throughout the process.

What types of loans do you offer?

We connect you with a variety of non-bank lenders, which means we can offer a range of loan options. Whether you're looking for working capital, equipment financing, or something else entirely, our panel of lenders can provide the solution that best fits your business needs.

Simple low fees

When you cash-in an invoice with Marmalade we'll only ever charge a low one-off processing fee.

Book your free trial to learn more

Activate Free Trial Now

Get Your Business Financed Today

Fill in your details below to access fast, hassle-free financing. Funds could be in your bank account in as little as 2 hours!

Why Choose SmartBiz Loans?

Transparent & Fee-Free

Our service is completely free, with no hidden fees or obligations. Explore your finance options confidently, knowing you won’t be pressured or surprised by costs.

Borrow up to $250,000 without needing to secure finance against personal assets, giving your business the freedom to grow—risk-free.

Flexible Finance Options

Fast & Easy Application Process

Get approved in as little as 30 minutes, with funds in your account within 2 hours. No lengthy paperwork—just a simple online application.

It's So Simple

Fast, Flexible Business Funding in Just 2 Hours - No Strings Attached

Australia’s first completely automated online business finance service. Apply in minutes, get approved fast, and access your funds in as little as 2 hours

What types of loans do you offer?

We connect you with a variety of non-bank lenders, which means we can offer a range of loan options. Whether you're looking for working capital, equipment financing, or something else entirely, our panel of lenders can provide the solution that best fits your business needs.

How It Works

AI-Powered Pre-Qualification

 Quick, 3-minute questionnaire with immediate results.

Approval & Funding

Get approved in 30 minutes and receive funds within 2 hours.

Choose Your Application Path

Apply online or with an agent over the phone.

Upload bank statements and financials.

Document Upload

Frequently Asked Questions

Is my business eligible for unsecured loans?

Yes, many of our lenders offer unsecured loans, and eligibility can vary depending on your unique business situation. Our diverse panel of lenders allows us to match you with one that's more likely to approve your loan request, even if you don't have traditional collateral.

How much can I borrow?

Our partners offer loans amounts from $5,000 up to $500,000, with repayment terms from 24 to 60 months.

 

How does SmartBiz Loans work?

SmartBiz Loans simplifies the process of securing business finance. You start by taking a quick online quiz to tell us about your business. We use your responses to match you with the right non-bank lender in our network. Your selected lender will contact you within 60 minutes, offering a tailored finance solution for your specific situation.

What makes SmartBiz Loans different from traditional banks?

SmartBiz Loans offers a faster, more flexible, and less bureaucratic approach to business finance. Unlike traditional banks, our streamlined process minimises paperwork and lengthy approval times. We focus on providing you with transparent terms, without the hidden fees and stringent requirements often associated with banks.

Is your service really free with no obligations?

Yes, SmartBiz Loans are entirely free to use, and there are no hidden obligations or fees. We believe in empowering businesses by providing information and matching you with the right lender. You're under no obligation to commit to any lender we connect you with, and our service remains free throughout the process.

What types of loans do you offer?

We connect you with a variety of non-bank lenders, which means we can offer a range of loan options. Whether you're looking for working capital, equipment financing, or something else entirely, our panel of lenders can provide the solution that best fits your business needs.

What types of loans do you offer?

We connect you with a variety of non-bank lenders, which means we can offer a range of loan options. Whether you're looking for working capital, equipment financing, or something else entirely, our panel of lenders can provide the solution that best fits your business needs.

Need Finance? SmartBiz Makes It Simple.

Need Finance? SmartBiz Makes It Simple.


Fuel Your Growth Today

Ready for a Financial Partner That Moves as Fast as You Do?

Secure your funding with Australia’s first automated loan process—quick, easy, and built for your business goals.

Wondering about finance amounts, the process, or eligibility? Our FAQ section is here to clear up any queries, making sure you're equipped with all the information you need to make a confident decision.

Choose from a range of tailored finance solutions, including working capital and equipment financing, all designed to suit your business’s unique needs.

No Upfront Collateral Required

Stop Waiting. Start Growing.

Stop waiting. Start growing. Experience the fastest, easiest finance process in Australia. Fill out the form now to get started.

Access the financing you need—fast, easy, and stress-free. Fill out the form now to get started.

Frequently Asked Questions

Security Assurance

We know that security is paramount when sharing financial details. SmartBiz Loans uses bank-level encryption through bankstatements.com.au to protect your sensitive information, ensuring your bank statements, business financials, and personal data remain secure throughout the application process. You can apply with complete peace of mind.

Get Finance Instantly

Our lending partners typically require that your business:

  • Has been operating for at least 6 months
  • Has an annual revenue of $100,000 or more
  • Holds a valid and active Australian Business Number (ABN)

You’re likely eligible for one of our flexible finance options if you meet these criteria.

We support a wide range of industries, including:

  • Retail and Hospitality: Perfect for businesses needing seasonal finance, expansion, or inventory boosts.
  • Professional Services: Consultants, creative agencies, and service providers looking to grow.
  • Construction and Trades: Ideal for securing equipment and managing project cash flow.
  • Tech and Startups: Finance to help innovate and scale quickly.

If you’re in business and looking to grow, we’re here to help.

Our partners offer business finance ranging from $5,000 up to $250,000, with flexible repayment terms from 24 to 60 months.

SmartBiz Loans provides a fully automated online process. Simply complete a short form, and our AI instantly assesses your information. If you qualify, you’ll receive a financing decision from our partner lender within 30 minutes and can access finance in as little as 2 hours—no lengthy paperwork or phone calls required.

We connect you with a range of non-bank lenders offering tailored solutions such as working capital, equipment financing, and more. Whatever your needs, we’ll match you with the best finance options.

Yes, many of our lenders offer unsecured finance, meaning you don’t need to provide collateral. Eligibility depends on factors like business health and revenue, and we work with a diverse panel of lenders to match you with the right fit.

Unlike traditional banks, SmartBiz Loans partners with non-bank lenders who provide faster, more flexible finance. Our process is entirely online, with minimal paperwork, quick decisions, and no hidden fees or collateral required.

Yes, using SmartBiz Loans is completely free, with no hidden fees or commitments. We connect you to lending options without any obligation to proceed, putting you in control every step of the way.

Once your application is complete, including uploading your bank statements using bank-level encryption through bankstatements.com.au, you could receive funds in as little as 2 hours. This is Australia’s first fully automated finance process, designed for maximum convenience and speed.

Our lending partners typically require that your business:

  • Has been operating for at least 6 months
  • Has an annual revenue of $100,000 or more
  • Holds a valid and active Australian Business Number (ABN)

You’re likely eligible for one of our flexible finance options if you meet these criteria.

We support a wide range of industries, including:

  • Retail and Hospitality: Perfect for businesses needing seasonal finance, expansion, or inventory boosts.
  • Professional Services: Consultants, creative agencies, and service providers looking to grow.
  • Construction and Trades: Ideal for securing equipment and managing project cash flow.
  • Tech and Startups: Finance to help innovate and scale quickly.

If you’re in business and looking to grow, we’re here to help.

Our partners offer business finance ranging from $5,000 up to $250,000, with flexible repayment terms from 24 to 60 months.

SmartBiz Loans provides a fully automated online process. Simply complete a short form, and our AI instantly assesses your information. If you qualify, you’ll receive a financing decision from our partner lender within 30 minutes and can access finance in as little as 2 hours—no lengthy paperwork or phone calls required.

We connect you with a range of non-bank lenders offering tailored solutions such as working capital, equipment financing, and more. Whatever your needs, we’ll match you with the best finance options.

Yes, many of our lenders offer unsecured finance, meaning you don’t need to provide collateral. Eligibility depends on factors like business health and revenue, and we work with a diverse panel of lenders to match you with the right fit.

Unlike traditional banks, SmartBiz Loans partners with non-bank lenders who provide faster, more flexible finance. Our process is entirely online, with minimal paperwork, quick decisions, and no hidden fees or collateral required.

Yes, using SmartBiz Loans is completely free, with no hidden fees or commitments. We connect you to lending options without any obligation to proceed, putting you in control every step of the way.

Once your application is complete, including uploading your bank statements using bank-level encryption through bankstatements.com.au, you could receive funds in as little as 2 hours. This is Australia’s first fully automated finance process, designed for maximum convenience and speed.

Wondering about finance amounts, the process, or eligibility? Our FAQ section is here to clear up any queries, making sure you're equipped with all the information you need to make a confident decision.