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What to expect: We'll discuss your situation, explore what's possible, and give you straight answers about your options-no pressure to proceed. You'll leave knowing exactly how to move forward.

Jonathan Chan

Jonathan Chan

Founder & Managing Director

Jonathan helps Australian businesses, investors, and homeowners access tailored finance solutions. With extensive banking experience, Jonathan provides strategic advice across commercial property, business expansion and home lending.

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Gabriel Loh

Gabriel Loh

Managing Director

After almost a decade in New York and Silicon Valley, including as GM of Uber's US and Canada Financial Services business, Gabriel chose to bring his experience closer to home. Today, he helps Australians and business owners grow through smarter, more tailored financing.

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Home › Business Loans

Business Loans - Overview

Asset Finance & Working Capital Facilities to fuel your business expansion. Get the resources you need to seize opportunities and grow your operations.

What Are Business Loans?

Business loans are a broad category of financing designed to help companies fund their operations, growth, and strategic goals. The term covers a wide range of products - from traditional term loans with fixed repayments over a set period, to revolving facilities like overdrafts and lines of credit that provide flexible access to funds as needed.

Other common products include invoice finance (which unlocks cash tied up in unpaid invoices), trade finance (for importing or exporting goods), and cash flow lending based on business revenue rather than property security. Businesses use these products for working capital, expansion, stock purchases, fit-outs, equipment, and managing seasonal cash flow fluctuations.

How FGO Helps

With access to over 20+ lenders - including the Big 4 banks, challenger banks, non-bank lenders, and specialist business financiers - we match your business to the right lender and product. Every lender has a different appetite: some prefer established manufacturing businesses, others specialise in professional services firms or tech companies. We know who lends to whom, and on what terms.

We structure your loan application to maximise approval chances, present your business in the best possible light, and manage the entire process from initial assessment through to settlement. This means less back-and-forth, fewer surprises, and faster access to funds.

"Every lender has different appetite for different industries and deal types. A deal that gets declined at one bank might be exactly what another lender is looking for. That's why having access to 20+ lenders makes such a difference."
Jonathan Chan
Founder & Managing Director, FGO Finance Group

What We Offer

Secured Business Loans
Unsecured Business Loans
Business Overdrafts & Lines of Credit
Flexible revolving facilities
Invoice Finance & Debtor Finance
Unlock cash in unpaid invoices
Trade Finance
Import/export funding solutions
Cash Flow Lending
Startup & Early-Stage Business Loans
Options for businesses under 2 years
Business Acquisition Finance
Fund purchases of existing businesses

Who This Is For

Our Process

1

Free Consultation

Understand your business, goals, and funding needs

2

Loan Structuring

Match your needs to the right product and lender

3

Application Preparation

Compile financials and prepare a complete application

4

Lender Submission

Submit to the best-matched lenders and negotiate terms

5

Approval & Funding

Manage the process through to funds hitting your account

Frequently Asked Questions

What documents do I need for a business loan?
Typically: 2 years of business financial statements, 2 years of personal and business tax returns, 6 months of business bank statements, a current balance sheet, and details of existing debts. For newer businesses, lenders may accept BAS statements and management accounts. We tell you exactly what's needed upfront.
Can I get a business loan with less than 2 years trading?
Yes, though options are more limited. Some lenders specialise in lending to businesses under 2 years old, particularly if you have strong revenue, a good personal credit history, or security to offer. Non-bank and fintech lenders are often more flexible. We know which lenders consider newer businesses.
What's the difference between secured and unsecured business loans?
Secured loans use property or assets as collateral - they generally offer lower rates and higher borrowing limits because the lender carries less risk. Unsecured loans don't require collateral, making them faster to access, though rates are higher. The right structure depends on your business, your security position, and what you need the funds for. We assess your full situation and match you to the right lender.
How quickly can I get a business loan approved?
Timeframes vary by product and lender. Unsecured business loans through fintech and non-bank lenders can often be approved in as little as 24-72 hours. Secured loans through major banks typically take longer, and more complex deals may take additional time. We match you to lenders whose timelines fit your needs and manage the process to minimise delays.

Related Services

Commercial Finance Learn more → Equipment Finance Learn more → Acquisition Finance Learn more →

Need business finance?

Book a free consultation. We'll assess your needs, compare options across 20+ lenders, and find the right solution for your business.

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