Business Loans

Business loans for Sydney free thinkers

Your business in Sydney is unique,
and so are our loans.

Liberty Business loans

Free-thinking business loans to help you grow

At Liberty, we love working with businesses and we understand the challenges they face.

With our personalised approach and a great range of flexible solutions, we can help you find a loan that suits your business needs.

Our business loans are perfect for self-employed people looking to expand or make investments. For free-thinking business loans in Sydney, think Liberty.

Our innovation and flexible solutions have helped over 600,000 free thinkers.

What do you want to do?


Secured business loan

Smart funding to help your business grow. A low-rate loan for growing businesses.

  • Loans up to $2M*
  • Flexible security options
  • Wide range of loan purposes
  • Up to 30-year loan terms



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Low doc business loan

Access the funds you need without all the paperwork.

  • Loans up to $2M*
  • Secured against commercial or residential property
  • Alternative income verification
  • Up to 30-year loan terms



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Flexible business loan

Get the funds you need without mortgage security.

  • Loans up to $2M*
  • A flexible loan with no mortgage security needed
  • Ideal for growing businesses
  • Up to 5-year loan terms



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Business line of credit

Access to credit when you need it most.

  • An approved line of credit loan
  • Ideal for all kinds of business borrowers
  • Improved cash flow benefits
  • Access funds when you require them



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Other loans to consider:


Low rate commercial loan

Funds to support your commercial investment plans.

  • Ideal for business premises
  • 30-year loan terms
  • No annual reviews
  • Borrow up to 80% LVR



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Short term commercial loan

A speedy commercial loan for a business boost.

  • Fast business finance solution
  • Suitable as a short-term loan
  • Ideal for investments or acquisition
  • No financials required



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Low doc commercial loan

A flexible commercial solution to help you thrive.

  • Flexible income verification
  • Borrow up to 80% LVR
  • Suits self-employed
  • Redraw facility



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Commercial SMSF loan

Put your super to work in a commercial property investment.

  • Maximum loan $4M1
  • Suitable for owner-occupiers
  • No minimum contributions required
  • Borrow up to 80% of property value#

Rates per annum from#


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Lease income loan

A simple commercial loan serviced via lease income.

  • Ideal for property investors
  • Service loan using lease income
  • 30-year loan terms
  • Borrow up to 80% LVR



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Looking for a business loan in Sydney?

Get your business loan questions answered by a Liberty Adviser near you.

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Frequently asked questions

  • Businesses need funding to grow, whether it's investing in equipment, tools or staff. We offer a range of business loans to suit many needs. These include small business loans and business loans secured by commercial or residential property, or business assets, as well as business loans that do not require mortgage security. With Liberty, you can find a business loan to suit your individual needs.

  • Often, a mortgage over residential or commercial property is used as security for a business loan. If the borrower is unable to continue to make payments, the security can be sold to repay the outstanding balance.

    Some business loans are different because they are available even to applicants who do not own a property. In this case, the business and its assets secure the loan in addition to guarantees.

    Typically, mortgage-secured loans will have a lower interest rate.

  • Document requirements vary based on the type of business loan you need. For example, the documents needed for our Mint business loan will differ from those required for our Access and Lift products.

    For a business loan in Sydney that does not require mortgage security, we may need extra information unique to your business and its cash flows. This could include financial statements and can be done online.

  • When the time comes to apply for a business loan, seeking the services of a business finance broker or loan specialist is a good place to start.

    An experienced business specialist can guide you through the application process and help ensure a timely approval for your business loan. Contact us today to see how we can help.

  • Liberty offers a range of business loans, including loans secured by a mortgage against residential or commercial property and loans not requiring mortgage security.

    For Sydney business owners without property, we can provide loans up to $1million based on the strength of the business data, the purposes of the loan and future income projections, for example.

  • At Liberty, we don’t think your past should affect your future, 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 loan to help your business grow, reach out to a Melbourne Liberty Adviser today and see if we can help. You might be surprised at the options available to you.

Other types of loans for free thinkers

Things you should know:

*Loan amount may vary based on information provided.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 131133 or speak to your local Liberty Adviser for more details.

1Subject to loan to value ratio (LVR) restrictions.