Make your next Advance a
Smart Advance

Quick access to a lump sum to cover
one-off expenses or invest in your business.

$5,000 – $300,000

Make your next Advance a
Smart Advance

Quick access to a lump sum to cover
one-off expenses or invest in your business.

$5,000 – $300,000


A Small Business Loan is a lump sum over a fixed term with a streamlined application process, quick approval and repayments tailored to your cash flow. Apply for $5,000 to $300,000 to cover one-off expenses or to invest in your business to help it grow.

Purchasing equipment or tools

Renovating or fit-outs

Growing or expanding your business

Marketing campaigns, promotions or developing a website

Buying office or café furniture

Paying tax or Bas lump sums

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.


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

Product Features

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

Fast application and decision with 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)

Have a chat with us

We Are here to help.
Call us today

How Does it work?

Apply for a business loan

Same-day decision on most loans

Review and sign your loan contract

Funding possible in 24 hours

Free to apply & no obligation


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.

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?


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]

Standard credit assessment, fees, terms and conditions apply.