Make your next Advance a
Smart Advance

Smarter Business Loans

$5,000 – $300,000

Free to apply. No obligation.

Make your next Advance a
Smart Advance

Smarter Business Loans

$5,000 – $300,000

Free to apply. No obligation.

The smart advance small business loan



No asset security required to access up to $150,000



Loans from $5,000 – $300,000, terms from 3 –24 months, for any business purpose.

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

Have a chat with us

We Are here to help.
Call us today: 1300 917 948

Product Features


Fixed term loan from $5,000 – $300,000


Rates from 9.9% p.a.*


Fast application and decision with funding possible in 24 hours


Funding possible in 24 hours


No asset security required to access up to $150,000


Minimal documentation required to apply for up to $150,000 (P&L required for over $150,000)

About Smart Advance

Smart Advance is an Australian owned and managed company that offers business loans to small and medium businesses in Australia. Unlike traditional bank loans, a smart business loan ($5,000 – $300,000) 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 Advance look at the things that really matters the most because we truly want you to succeed.

Got 5 minutes?



Easy & fast online application.


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Discuss your needs with our friendly team.



A hip hair salon in NSW run by an industry leading stylist has used small business loans over the past three years to expand and grow. Unsecured finance has been used to add basins and chairs, build a new website and run a marketing campaign, new street signage and more recently $15k was borrowed to stock up for the busy Christmas part season, and then re-stock after its successful completion.

The business continues to build momentum, with a steady increase in clientele, amazing reviews on social media and revenue – and the owner is stoked!


A dental practitioner in Victoria is into his fifth loan with us and is completely sold on the benefits of using unsecured finance to grow his practice. After taking over a new practice four years ago, the owner used an initial loan to upgrade equipment and instruments.

As the practice became established, a second loan was used to purchase a new X-Ray machine, and a third to buy supplies in bulk, enabling the owner to achieve significant cost savings. A fourth loan was used to add new service options for the expanding client base by funding staff training. The current loan of $35k is being used to remodel the reception area. Practice revenue has increased by more than 25% over the four year period and demand is not slowing down.

Vietnamese Restaurant

After four years of trading and with business booming, a husband and wife team who owned a Vietnamese restaurant in WA decided to expand by opening a second location in a nearby food court. The owners had already used a $60k business loan to remodel their original location, resulting in increased revenue.

They decided to leverage their increased cash flow and take on additional finance, which they used to secure the food court location and start trading. Current consumer interest in light, fresh food is fuelling success at both locations and the owners are quietly confident of further expansion down the line.

Free to apply & no obligation

Most frequently asked questions

What is the product?
How does your process work exactly?
How much do I qualify for?
Does It make sense to go into debt?
Will my credit rating be affected if I get declined?
How do I know you are giving me an honest rate?
Are you a last resort lender?
Why must I use Smart Advance?
Can I get an unsecured loan from the bank?

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

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

Phone: 1300 917 948

Email: [email protected]

*Lowest rate is 9.9% p.a. simple interest rate. A risk-based pricing model is used to determine applicable rates using factors such as industry, years in business, cash flow and creditworthiness. Rates for small business loans range from 9.9% to 26.5% p.a. simple interest rate. The lowest rate is only available to applicants with the strongest cash flows, business experience and credit ratings. A $10,000 12-month loan with a simple interest rate of 9.9% p.a. would have a total repayment amount of $10,990 and an Annual Percentage Rate of 17.5%. Approval is subject to credit assessment. Fees, terms and conditions apply. These rates apply to the small business loan product only.