Business Loans

Business line of credit

Our flexible line of credit provides business owners with easy access to funds when it’s needed most.

Liberty Business loans

Manage your funds with a flexible credit solution

Get fast access to funds to help cover the everyday costs of running your business.

  • An approved line of credit

  • Improved cash flow benefits

  • Access funds as you need them

  • Rates from 10.20% p.a.

Easy to understand features, variables and fees


Maximum loan amount*
Minimum loan amount
Principal & interest
Interest only
Repayments - Monthly

Loan variables

Security - determined on application assessment
Time in business - no minimum required
Loan purpose - Includes working capital, inventory purchase, equipment purchase, business acquisitions, refinance (including tax debt)****


Loan establishment fee**
$1,950 or 1.25% of loan amount, whichever greater
Line fee^
1% p.a.
Discharge fee
Service fee
$30 per month
Annual review fee
$545 on anniversary

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

Free thinkers like us see the possible!

When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

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Liberty business loans FAQs

  • A business loan is designed to provide the funds you may require to grow your business. A business loan can be used to pay for equipment, tools, stock, start-up costs, or even to help pay your staff. With a range of free-thinking business lending options, Liberty has solutions to suit the needs of businesses of all shapes and sizes. And, our experienced business specialists can guide you through the application process and help ensure a timely approval for your business loan.

  • To apply for a business loan, you may need to provide your current business details as well as an outline of how you intend to use the funds. Documentation requirements can vary based on the type of business loan you are after. For support to review your options and determine which option is right for you, a Liberty Adviser can help.

  • If you’re looking to grow your business, a business loan can be an excellent tool to help you take the next step forward. If you’ve just started out, a business loan can support you to cover the initial start-up costs and help to get things moving. Or, if you have an established business, a business loan can support you to expand your operations, upgrade your equipment or cover any extra expenses. Whatever your goals, Liberty’s free-thinking business loans can help you achieve them, sooner.

  • At Liberty, we don’t believe 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’. Even if you have a history of bad credit and need a loan to help your business grow, reach out to Liberty today and see if we can help. You might be surprised at the options available to you.


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Experts in free-thinking finance

Learn more about free-thinking loans

Other loans you might like:


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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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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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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Things you should know:

*Loan amount may vary based on information provided.

^A Line fee of 1% p.a. applies on unutilised funds.

**Fee can be capitalised into the loan.

****Additional documentation may be required upon assessment.