Business Loans
Get the funding you need to start, buy, or grow a business — with fast approval and fixed repayments you can count on.
$25k – $500k
Loan range
Up to 5 years
Loan terms
4–48 hrs
Typical approval
Fixed rate
Rate certainty
Flexible funding for Australian businesses
Whether you're launching a new venture, buying an existing business, or investing in growth, a CFI Business Loan gives you access to the capital you need — with the speed and certainty that banks can't match.
As a direct lender, we make the credit decisions in-house. That means faster answers, fixed rates for the life of your loan, and a team that understands the realities of running a business.
What can you fund?
A CFI Business Loan is the perfect product whether you're starting out, buying in, or growing what you've already built.
Start a business
Get the capital you need to launch your new venture — from franchise fees to fitouts.
Buy a business
Fund acquisitions with flexible terms structured around the deal.
Expand or refurbish
Grow your existing operation with funding for fitouts, renovations, and upgrades.
Finance equipment
Spread the cost of larger items of business equipment over time.
How it works
Apply online
Complete our simple application — it takes about 5-10 minutes
Get assessed
Our credit team reviews your application in-house. Most decisions are made within 24–48 hours.
Get funded
Once approved, funds are typically available within days. Fixed repayments, no surprises.
How much do you need?
Drag the slider to set your loan amount, then get an indicative quote in minutes.
What you'll need
Australian Business Number (ABN)
An Australian resident or permanent visa holder
A clear idea of what you need the funds for
Basic financials — we'll guide you through what's needed
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI?
Fast approvals
We measure our approval times in hours, not weeks. Fast decisions from people who understand business lending.
We're the lender
As a direct lender, we make the credit decisions in-house — so you get answers faster and deal with the people funding your loan.
Fixed rate certainty
Your rate is locked in for the full term of the loan — no surprises, no variable-rate risk. You'll know exactly what your repayments are before you sign.
The process was simple and straightforward, the application was completed online with a few simple clicks and I received an instant quote on the day of the inquiry. Approval was received within 24 hours and funds were paid within 24 hours of the invoice being received.
— Cattia, Motel Owner, WA
Common questions
Do I need a deposit?
A deposit may be required for some loans, but not always — it depends on factors including the loan size and the financial product selected. For new businesses it may depend on what you've already invested or plan to invest. A CFI Finance Specialist can give you a better indication based on your circumstances.
Do I need to provide security?
Generally the your business assets may be required as security for the loan. CFI are experienced in structuring security arrangements that work for both new and established businesses, and we can talk you through what's needed based on your circumstances.
Can the interest rate increase?
No. Your rate is fixed for the term of the loan. Your repayment amount is confirmed before you sign, so you know exactly what to expect.
What if I haven't started my business yet?
CFI has helped thousands of Australians realise their dreams of business ownership. Whether you're looking to start a new business or buy an existing one, we can help.
How quickly can I get approved?
Most applications are assessed within 24–48 hours. Once approved, funds are typically available within days.
Can I make additional repayments?
Yes you can, however for fixed-rate loans, there may be limitations or fees associated with early repayment.
More questions? See our full FAQ or get in touch.
Ready to apply?
Get started with a CFI Business Loan today.