Why Smart Advance?

Our Loans are:


Asset security not required. No need to put your home on the line, all you need are director’s guarantees.


Loans from $5K-$250K, terms from 3-12 months, for any business purpose.


Decisions in as little as 1 hour – 90% of customers receive their funds within 1 business day.

It’s Fast and you can Apply in Minutes

How it Works


Complete Application

Free and only takes 5 minutes


Smart@Vance Assessment

Fast Approval


Agreement Signed


Get Funds

Within 24 Hours


About Smart Advance

Smart@Vance is an Australian owned and managed company that offers unsecured business loans to small and medium businesses in Australia.

Unlike traditional bank loans, a smart business loan is UNSECURED ($5,000 -$250,000) and is calculated based on the health of your business.

The business loans that we offer are fast, simple, flexible, affordable and best of all tailored to your business needs.

We at Smart@Vance look at the things that really matter the most because we truly want you to succeed.

What we Do?

Our Products

Smart Business Loans

A Smart Business Loan is not a traditional bank loan. Unlike a bank loan, a smart business loan is UNSECURED ($5,000 -$250,000) and based on the health of your business. We look at the things that really matter because we truly want you to succeed.


  • No collateral required
  • No hidden fees
  • Highly Competitive Rates
  • Fast Approval
  • Easy On-line Application
  • Minimum paperwork required
  • Funds within 24 hours
  • Bad Credit Considered

Smart Vendor Finance

Ever thought of financing your clients? Smart Vendor Finance allows B2B service providers to offer finance to their clients.


  • Company must be trading for at least 2 years
  • Company must be in a good financial position
  • Company must have a clean credit history
  • The Director/s must have a clean credit history
  • Company must have a good reputation

Got 5 Minutes?

Apply Now

Why Smart Advance?

Frequently Asked Questions

Grow your business and manage your cash flow with an unsecured business loan. Get the working capital you need in your bank account in as little as one business day. Trusted by thousands of Australian small businesses.

Free to apply, no obligation, no financial statements. All you need is:

  • Trading for at least 6 months
  • Minimum $10k/month revenue
  • Use for any business purpose
Our loans have a fixed term of between 3 – 12 months. We can set up an automatic daily or weekly fixed payment.

For loans below $50,000 all you need to do is

  • Fill in the online application form
  • Provide 3 months bank statements
  • Provide copy of your driver’s license

For loans $50,000 and above all you need to do is

  • Fill in the online application form
  • Provide 6 months bank statements
  • Provide updated quarterly BAS statements
  • Provide full financials for previous year

Smart@Vance specializes in short-term loans (3-12 months) so it’s important to ask yourself whether a short-term loan is right for your business! Below is a table to help guide you make the right decision.

A Smart@Vance short-term business loan may also be right for you when you:

How do you charge for a Smart@Vance Unsecured Business Loan?

We do not charge interest because terms are usually less than 12 months. Instead, we offer a factor rate. A factor rate is expressed as a decimal figure, not a percent. It varies based on your industry, how long you have been in business, the health of your cash flow and other factors. When a factor rate is used, interest is charged to the principal when the loan is originated, it doesn’t compound.

Is there any penalty for early repayment?

There are no fees for early repayment and no balloon payment at the end of your loan. We are totally transparent with our customers about the total amount due and the date of the final payment. Once you make the final payment your balance will be $0.

What are the fees?
We know fees can be confusing, so we made it simple and transparent – there are no hidden fees and the amount due from day one includes the establishment fee. There is no compounding interest. There are no additional fees (excluding any late payment or default fees) and no penalties for early repayment.

How do repayments work?

It’s important to offer you easy ways to pay back your loan. To help you avoid missing repayments we offer daily, weekly or fortnightly repayments that are automatically deducted from your nominated business account.

Stay in the Loop

Our Blog

Get in Touch

We’re here to Help

Please let us know if you have a question, want to leave a comment, or would like further information about Smart@Vance

Postal Address: Level 14, 309 Kent Street, Sydney NSW, 2000

Phone:  1300 917 948

Email: info@smartadvance.com.au