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What are my options as a business owner looking for a business loan?

At Liberty, we know that businesses need funding to invest in equipment, tools or staff so the business can grow. That’s why we offer a wide range of business loans to suit all business owners’ needs. From low-doc loans for the self-employed to business loans, - secured by either commercial and residential property – find the solution that best suits your needs with Liberty.

What sort of business loans does Liberty provide?

Liberty offers a wide range of business loans. This includes loans that are secured against residential and commercial property, SMSF loans for the purchase of commercial property and even loans for commercial property where the rental income generated by the building services the loan. And, for business owners that don’t want to use a security, our partners at Moula can provide unsecured business loans up to $250,000 based on the strength of the business data and pipeline of future income.

What is the difference between a secured and unsecured business loan?

Most loans are used to purchase some form of collateral, or an asset, which has a value and this is what is used as the security. In a situation where the borrower is unable to continue to make payments on the loan, the security will be sold to repay the outstanding balance of the loan. Some business loans are different because they aren’t used to buy a physical asset – instead they’re used to buy stock, pay suppliers or to help free up cash within the business – so there is no security and the loan is therefore unsecured.

Can I get a business loan if I have bad credit?

At Liberty, we don’t think everyone should be judged purely by their past, that’s why we look at an applicant’s whole story to find more ways to get to ‘yes’. So, even if you have a history of bad credit and need a business loan to help your business grow, reach out to Liberty today and see if we can help. You might just be surprised at the options available to you.

What documentation do you require to apply for a business loan?

What documentation we require will vary depending on the type of business loan you are seeking. For example, the level of documentation for our low-doc business loan will differ depending on the type of property you’re using as security.

While for an unsecured business loan, Moula will want to find out more about your business and the strength of its cash flow. This is done online with little or no need for documentation.

Approved applicants only. Lending criteria applies. Fees and charges are payable. All rights reserved | Liberty Financial Pty Ltd | ABN 55 077 248 983 | Australian Credit Licence 286596 | Liberty Network Services Pty Ltd | ABN 65 151 158 628 | Australian Credit Licence 408042