Business Loans
Access 70+ lenders to secure fast, flexible funding—from startups to expansions—with rates often below major banks.
Convergence Finance Business Loans
Why Choose Convergence Finance for Business Lending?
Wider Lender Network
Major banks, non-banks & specialist commercial lenders
Higher Approval Rates
Solutions for startups, low doc, and impaired credit
Industry Specialists
Sector-specific loan structures. Funds in as little as 24 hours.
Startup & New Business Loans
Launch or acquire your business with tailored funding.
- From $50K–$2M : No 2-year trading history required
- Low-Doc Options :For businesses under 24 months
- Franchise Financing :Specialized packages
Working Capital & Cash Flow Loans
Bridge gaps and seize opportunities.
- Unsecured Loans : Up to $500K without collateral
- Invoice Financing :Get paid upfront for outstanding invoices
- Line of Credit :Revolving access to funds
Equipment & Vehicle Finance
Upgrade without upfront costs.
- 100% Asset Financing : Trucks, machinery, tech
- Tax Benefits :Claim depreciation and GST credits
- Balloon Payments :Lower regular repayments
Commercial Property Loans
Buy, build, or refinance business premises.
- Loan-to-Value : Ratios up to 80%
- Interest-Only Periods :Improve short-term cash flow
- SMSF Purchases :For self-managed super funds
How It Works
Needs
Analysis
Needs Analysis
15-min call to scope your requirements
Lender
Match
Lender Match
We negotiate terms on your behalf
Fast
Settlement
Fast Settlement
Often within 5 business days
Often within 5 business days
Hospitality
Cafés, restaurants, pubs
Trades
Construction, plumbing, electrical
Retail
nventory and store upgrades
Healthcare
Medical practices, clinics
We Have Built Something Awesome
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Large Business
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Partners
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Assets
Common Questions Answered Fast
Find quick answers to common queries below. Can’t see your question? Contact our team for personalized advice.
What is a business loan used for?
A business loan is designed to fund a wide range of business needs - such as expanding operations, inventory, managing cash flow, hiring staff, or upgrading equipment.
How much can I borrow for business loan?
Loan amounts vary depending on your business size, revenue, credit profile, and purpose of the loan.
Do I need financials to apply loan?
Most business loan applications require financial documents such as tax returns, profit and loss statements, and bank statements.
How long does loan approval take?
Approval times can range from 24 hours to a few business days, depending on the loan type, lender, and how quickly you provide supporting documents.
Can startups apply for business loans?
Yes, startups can apply for business loans, although they may face stricter criteria due to limited trading history.
What Our Clients Say About Us
Don’t just take our word for it—hear from satisfied clients who’ve transformed their financial futures with our tailored solutions and expert guidance.
Sunit Kumar2023-01-04 Very quick and efficient. Great Experience. Highly recommended. rabia azizi2022-09-21 Excellent service with great results, we dealt with this company for our car finance All I can say is that they are THE BEST, we were referred to this company by a friend. We spoke with Ben he is an absolute legend very professional did our application promptly without any hassle. I highly recommend Ben and his company and would like to thank him for his great service. Shubham Jain2022-09-20 I got my commercial loan settled within a week and received amazing support from Ben.