Six products · $5k to $500k
Six easy ways to access business capital
Quick answer
FastBiz Loans offers six business finance products: small business loans ($5k–$500k), equipment finance ($10k–$500k), invoice finance (up to 85% of invoice value), lines of credit ($10k–$250k), merchant cash advances ($5k–$300k) and startup loans ($5k–$150k). Decisions can come in as little as 4 hours, with same-day funding possible.
Pick the product that fits the job
Every product is built around one idea: getting capital into your business without the bank-style runaround.
Small Business Loan
$5k – $500k
Best for: Working capital, stock, operations and growth
- Same-day funding possible
- One lump sum
- Minimal paperwork
Equipment Finance
$10k – $500k
Best for: Machinery, vehicles, tools and tech
- New or used
- Dealer or private sale
- The equipment is usually the security
Invoice Finance
Up to 85% of invoice value
Best for: Cash tied up in unpaid B2B invoices
- Paid on invoices, not assets
- Grows with your sales
- Single invoices or whole ledger
Line of Credit
$10k – $250k
Best for: Ongoing cash flow gaps and flexibility
- Draw, repay, draw again
- Pay for what you use
- A buffer that refills
Merchant Cash Advance
$5k – $300k
Best for: Card-heavy businesses: cafes, retail, hospitality
- Repaid from card takings
- Repayments flex with trade
- Same-day funding possible
Startup Loan
$5k – $150k
Best for: Businesses under 6 months trading
- Case-by-case assessment
- Owner experience counts
- Pairs well with equipment finance
Side by side
| Product | How much | Best for | How it's repaid |
|---|---|---|---|
| Small Business Loan | $5k–$500k | Working capital, stock, operations, growth | Regular fixed repayments |
| Equipment Finance | $10k–$500k | Machinery, vehicles, tools, tech | Regular repayments, often matched to the equipment's working life |
| Invoice Finance | Up to 85% of invoice value | B2B businesses waiting on customers to pay | Settled when your customer pays the invoice |
| Line of Credit | $10k–$250k | Recurring or unpredictable cash gaps | Repay what you've drawn, then draw again |
| Merchant Cash Advance | $5k–$300k | Cafes, retail, hospitality — card-heavy trade | A share of future card and EFTPOS takings |
| Startup Loan | $5k–$150k | Businesses under 6 months trading | Regular repayments, assessed case by case |
Every facility is priced on your business's individual situation. We show you the full cost before you sign.
Still weighing it up?
These comparisons walk through the trade-offs honestly — including when another option is the better call.
Line of credit vs business loan
Line of credit vs business loan: a plain comparison of how each works, what it suits and when to choose one, the other or both. Easy decision guide inside.
Compare →Fast business loans vs bank loans
Business loan vs bank loan: an honest look at speed, paperwork, credit, security and price, and when a bank is the better call for your business.
Compare →Invoice finance vs business loan
Invoice finance vs business loan: compare cash tied up in unpaid invoices with a lump-sum loan, see a worked example and find out which suits your business.
Compare →Product questions
Which business finance product is right for me?
Match the product to what you're funding. A lump sum for stock, wages or growth suits a small business loan; machinery and vehicles suit equipment finance; unpaid B2B invoices suit invoice finance; recurring gaps suit a line of credit; card-heavy trade suits a merchant cash advance; and businesses under six months old start with a startup loan.
Can I use more than one product?
Yes. Plenty of businesses pair equipment finance for a new machine with a line of credit for day-to-day cash flow. Your lending specialist will make sure the combined repayments fit comfortably inside your cash flow.
How fast can I get funded?
Decisions can come through in as little as 4 hours once your bank statements and ID are in, and same-day funding is possible after approval and signing. Equipment finance may also need a supplier invoice, and invoice finance needs your debtor details.
What does it cost?
Every facility is priced on your business's individual situation — the product, amount, trading history and security all matter. We look for the sharpest option available for your situation and show you the full cost before you sign anything.
Do I need property to get business finance?
No. Most of our products are assessed on your business's revenue and bank statements rather than property. Equipment finance usually uses the equipment itself as security.
Ready when your business is.
One 60-second online enquiry. Decisions in as little as 4 hours, and same-day funding possible once you're approved.