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.

LIMITED TIME OFFER: No repayments on Business Loans until 22 July 2019*

Choose a solution that fits your business

Smart Business Loan

“I need a lump sum for a one-off purchase”

  • Fixed-term loans from $5,000 — $300,000
  • Rates from 9.9% p.a.¹
  • Funding possible in 24 hours

Line of Credit

“I need ongoing access to funds”

  • Revolving line of credit from $2,000 — $25,000
  • Access to working capital when you need it
  • Apply in 10 minutes

Have a chat with us

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

Who is 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 ($2,000 – $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.

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keep your business growing

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Falling house prices, a declining Australian dollar, rising household debt. You don’t have to look far to see a news headline that suggests an economic downturn, or perhaps even a recession, is just around the corner. As a business owner, it's...


Dissatisfied with how things turned out last year? Are you uninspired / bored? Or do you perhaps feel like you’re fighting a losing battle? Getting nowhere? STOP DOING THINGS THE SAME WAY! WHY? Things don’t change until we do… Insanity:...

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Business articles to help you keep your business growing.


DANCING TO YOUR OWN TUNE? working abnormally long hours? taking work home? distracted on weekends? little or no time for yourself? neglecting family and friends? overwhelmed? YOU ARE NOT DANCING TO YOUR OWN TUNE! YOU ARE DANCING TO SOMEONE ELSE’S! Saddest of all is...


Deep down you know exactly what to do…! Your gut is never wrong! And - you’ve done your homework! But making up your mind and taking decisive action, is very difficult. It is threatening to overwhelm you and you’re a little scared... You’re even looking for a way out…...


Cannot get started? New Year’s challenges daunting? YOU NEED SOMETHING TO LOOK FORWARD TO!       YES!            NOW ALREADY! You need something exciting to look forward to in 6 weeks’ time 3 months’ time 6 months’ time a year’s time… yes, at regular intervals! Like...


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]

Terms and conditions: *Deferred payment offer available to new and existing approved customers on a new Smart Advance Small Business Loan settled between 10 June and 30 June 2019 inclusive. No loan repayments required from the eligible loan settlement date to 21 July 2019 (inclusive). Loan repayments begin on 22 July 2019. Total loan repayment term will be extended by the time equal to your loan payment deferral period. Offer only available to customers connected to electronic bank statements. Offer only available to businesses established and operating in Australia. Offer not available in conjunction with any other Smart Advance offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.

1. 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.