Business Loans

Business loan solutions for free thinkers

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

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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Liberty Business loans

Calculate your business loan repayments

We’ve created some useful tools to help you continue exploring what business loans could work for you. Use this simple calculator to figure out how much your ongoing repayments might be with some of our business loans.

Experts in business loans for free thinkers

Learn more about business loans to help you grow and thrive.

Ready to get started? Your local adviser can help.

Enter your postcode to find all Liberty Advisers near you.

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 loan specialists can guide you through the application process to 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 looking for. If you select a business loan with no mortgage security, we may need extra information about your business financials, including financial statements. 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.

  • Whether you’re just starting out or trying to grow, a business loan can help you access the capital you need to thrive. As a small business, there a several loan types available to you – including secured business loans, unsecured business loans and lines of credit. The best loan for your business depends on a number of factors, such as how much you need to borrow, what the funds will be used for and how quickly you need the funds. For support to review your options and determine which Liberty business loan is right for you, speak with a Liberty Adviser.

  • The key difference between an unsecured and secured business loan is the type of security required. A secured business loan uses physical assets such as property, machinery, or vehicles to finance the loan. While an unsecured business loan doesn’t require tangible collateral, be aware that you might still need to provide some type of security such as a personal guarantee. Unsecured business loans tend to suit smaller amounts with shorter repayment terms. The turnaround for approval can be quicker, but they can also come with a higher rate. For help finding the right option for your business, chat with a Liberty Adviser.

  • 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.

  • Yes, we offer low doc business loans for borrowers who may not have the traditional financial documentation required for a loan. We can use other forms of income verification to assess your financial position and eligibility for a loan such as transaction banking information. Low doc business loans can be a flexible option for self-employed or small businesses to help reach your financial goals sooner.

  • At Liberty, we offer business loans all around Australia. Whether you’re in Sydney, Perth, Brisbane, Adelaide, Melbourne or in a regional area there’s a Liberty Adviser near you who is ready to help. If you’re looking for a loan to start or grow your business, a Liberty Adviser can support you in finding a free-thinking solution. Kickstart your journey to reaching your business goals by locating your closest adviser using your postcode.

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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 13 11 33 or speak to your local Liberty Adviser for more details.

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