Adelaide Business Cash Loans

Business Cash Advance Loans in Adelaide

A business cash loan can help your Adelaide based business in more ways than one, and finding a loan to suit your needs is easy if you know what to look for.

Adelaide, in addition to being the capital of South Australia, is also Australia's fifth largest city, and around 1.3 million people reside in Adelaide. Catering to these people, and others, are scores of small and midsized businesses.

As a business, you can get a cash loan in Adelaide for different purposes. With certain lenders, you don't have to submit a lot of paperwork to qualify, and you can even expect to get a business cash loan if you have poor credit history.

Capify Unsecured Business Loan Offer

Capify Unsecured Business Loan Offer

  • Borrow up to $300,000
  • Fast application and turnaround
  • Flexible loan repayments
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100% confidential application

Capify Unsecured Business Loan Offer

Apply for up to $300,000 from Capify, enjoy a simple application process and with same-day approval you can have your funds within 24 hours.

  • Loan Security: Unsecured
  • Interest rate type: Variable
  • Application fee: $0
  • Minimum loan amount: $5,000
  • Maximum loan amount: $300,000
  • Fast application and turnaround
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Compare a range of personal short term finance options

Updated September 22nd, 2019
Name Product Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Apply Now
3 months to 1 year
3% origination fee
An unsecured business loan up to $300,000 for eligible businesses. Businesses operating for a minimum of 6 months and having turnover of at least $10,000 a month can apply.
3 to 18 months
2.5% establishment fee
Apply for up to $200,000 from Lumi and benefit from short loan terms, no early repayment fees and once approved receive your funds in just one business day.
6 months to 2 years
2.5% origination fee
Apply for up to $250,000 and receive your approved funds in one business day. Minimum annual turnover of $100,000 and 1 year of trading history required.
6 months to 3 years
$0 application fee
A loan of up to $500,000 that can be approved and funded within 24 hours. Available to businesses with 6+ months operating history and $5,000+ monthly sales.
3 months to 2 years
3% origination fee
A business loan available up to $300,000 that can be funded in 1 business day. Must have a turnover of $6,000+ per month and provide 6 months of trading history, 3 months history for existing business purchases.
3 months to 5 years
$0 application fee
A Small Business Lending Specialist from Valiant Finance can give you access to competitive business loans from over 60 lenders. Loans between $5,000 and $1 million are available. Request a call – your loan can be funded in 1 business day.
6 months to 2 years
$0 establishment fee
A flexible business loan up to $500,000 with convenient top up and redraw facilities. Business must have been operating for 9 months+ and have monthly sales of $10,000+. Note: The establishment fee will be waived if you apply and are approved before 15 October 2019.
Up to 25 years
0.75% application fee
Borrow from $10,000 with multiple repayment options including optional fixed rate periods.
6 months to 2 years
2% drawdown fee
A business loan up to $100,000 for unsecured loans, or $500,000 for secured loans that you can use for any business purpose. Transparent costs and redraw facility available.

Compare up to 4 providers

How do business cash loan providers in Adelaide work?

A business cash loan is when borrow a given amount of money and repay it along with interest and fees within a stipulated time period. You can use funds you receive through such a loan for different business related purposes, which include, but don't limit to, setting up a new business, buying equipment and furniture, expanding, or simply getting by a rough patch.

If approved, these loans amounts are usually sent within three business days. Approval generally depends on how long your business has been in operation, how long it has been operating and your business's cash flow. Loan amounts vary from $1,000 to $250,000.

How to compare business cash loan providers in Adelaide?

  • Products offered.
    First, you have to choose between secured and unsecured loans, and there are lenders who offer both kinds. If you're looking for a secured loan you have to provide collateral which can come in the form of real estate property or vehicles. You get to choose between fixed and variable interest rate, and other options include loans to buy equipment and quick approval loans. Certain lenders offer products especially designed for retail and hospitality businesses.
  • Paperwork.
    Getting any kind of a loan involves some amount of paperwork, and getting a business cash loan is no different. While most prominent lenders require you to submit copies of financials, tax returns, and business activity statements, a number of smaller lenders do way with these requirements.
  • Overall cost of the loan.
    When you take a business cash loan, there's a good chance you'll have to repay more than the principal amount and the interest it attracts. To establish the total cost of the loan, take into account all associated fees and charges. Some of these consist of application fees, loan settlement fees, and exit fees.
  • Repayments.
    Repaying a business loan tends to offer more flexibility when compared to other types of loans. While you can make daily, weekly, fortnightly, or monthly payments through direct debits, you can repay some loans by paying a fixed percentage of your EFTPOS sales on an everyday basis. If you take a variable rate loan, you can expect to make extra repayments without attracting any penalty, and this allows you to pay your loan off sooner and also save how much you pay in the form of interest.

What areas in Adelaide are business cash loan providers available?

Business cash loans providers do not limit to any one section of Adelaide, and you can expect to get a loan irrespective of where you run your business from. For example, you can get a loan if your business is in any of the following areas.

  • Adelaide city centre

    This is what locals refer to as the town or the city, and includes the 'square mile' as well as a part of Adelaide Parklands. Here, you can find numerous important government offices as well as South Australia's parliament.

  • Brighton

    This high socioeconomic coastal suburb, with its large sandy beach, is home to the Brighton Jetty, the Brighton Surf Lifesaving Club, and the Brighton-Seacliff Yacht Club.

  • Mawson Lakes

    This northern suburb is where you'll find the University of South Australia, and this suburb has witnessed considerable population growth in the recent past.

  • Burnside

    This fairly upper-middle class eastern suburb is amongst the first suburbs to develop in Adelaide, and this is why you can find numerous historic and grand homes located here. Homes situated atop hills offer excellent views of the city.

  • Newton

    This predominantly middle class suburb located northeast of Adelaide city centre boasts of good schools, and you can also find a number of small shops and supermarkets here.

  • Blair Athol

    This inner northern suburb boasts of two reserves, the Barton Street Reserve and the Blair Athol Recreational Reserve. This suburb has a supermarket, a post office, and a number of small delicatessens.

Pros and cons of using a business cash loan provider


  • Get money when you need it.
    Often times businesses end up needing access to more money than they have, and in such instances applying for a business cash loan can provide almost immediate relief. Some lenders can give you access to funds within 48 hours of approval, and approval tends to take no more than a few hours.
  • No collateral required.
    You only have to worry about providing collateral if you're looking for a secured loan, and with many unsecured business loans on offer, you don't really have to worry about providing any kind of security.
  • Varied loan terms.
    If you expect to get some money to repay your loan quickly, you can opt for a loan term as less as one month. If you want to take time in repaying your loan, you can look for considerably longer loan terms, with some going up to seven years.


Need to borrow up to $5,000? Compare your loan options here.

Questions to ask your business cash loan provider

Even a small difference in interest rate can make a significant difference in how much you end up repaying, so this should be amongst the first few questions you ask.

Fees and charges that certain business loans attract can total to a considerable sum, so make sure you find out about these at the very onset.

While some loans, mostly variable rate loans, allow you to make extra repayments for free, some others might charge you a fee for the same.

Eligibility criteria for business loans in Adelaide can vary from one provider to the next. For example, while some lenders require that you have good creditworthiness, some others offer loans to people with poor credit history as well.

Getting a business cash loan can certainly help you accomplish your goals, but since there are multiple options from which to choose, don't forget to compare your options well.

Alternatives to Business Cash Advances

We don't compare business cash loan providers but you might like to check out the credit cards with cash advance feature.

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