Business Cash Loans Perth

When a sudden emergency arises for your Perth small business, a quick cash loan could bail you out in just a few hours.

With roughly two million Australians and foreigners residing in Perth, your small business has great opportunity to grow. Perth is now the fourth largest city in the country and its growth and prosperity can be attributed to the abundance of natural resources in Western Australia.

Serving as the state’s capital city and catering to a large migrant population have all contributed to a wide range of business opportunities in Perth. This in turn makes for a large base of businesses of all sizes that benefit from the availability of business cash loans.

Prospa Business Loan Offer

Prospa Business Loan

  • Borrow up to $250,000
  • Same-day turnaround
  • Repay early without penalty
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100% confidential application

Prospa Business Loan Offer

The Prospa Business Loan allows you to borrow up to $250,000 for your business needs. The loan is available for new or existing business needs and features no upfront fee and no fees for early repayment.

  • Interest rate type: Variable
  • Application fee: $0
  • Minimum loan amount: $5,000
  • Maximum loan amount: $250,000
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Compare a range of personal short term finance options

Rates last updated October 21st, 2017
Name Product Min Loan Amount Max. Loan Amount Loan Term Application Fee Product Description
Prospa Business Loan
0.25 to 1 years
Apply for a business loan from $5,000 and enjoy a shorter loan term up to 12 months. Note: Financial statements required on loans over $50,000.
NAB QuickBiz Loan
1 to 2 years
An unsecured business loan from $5,000 that can be processed in 1 business day.
Spotcap Loans
1 year
Take advantage of a fixed interest rate and no upfront fees on this business loan, available up to $250,000. Note: Business must have been operating for at least 18 months and have turnover over $200,000.
Moula Business Loan
0.5 to 1 years
Small business loans of up $250,000 approved and funded within 24 hours. Transparent fees and rates. Note: Business must have been operating for at least 12 months and have monthly sales of at least $5,000.
Sail Unsecured Business Loan
1 year
2.5% origination fee
Take advantage of a convenient business loan available from $5,000. Bad credit applicants considered. Note: Business must have been operating for at least 6 months and have turnover over $50,000.
RateSetter Business Loan
0.5 to 5 years
Apply for up to $150,000 and choose between a secured or unsecured loan. Note: Business must have been operating for at least 2 years and have turnover over $250,000.
GetCapital Flexible Business Loan
0.25 to 1 years
Upfront fee of 1%
A business line of credit that allows you to earn Qantas Aquire Points. Note: Business must have been operating for at least 9 months and have monthly sales of at least $10,000.

Compare up to 4 providers

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Hand with money bag

How do business cash loan providers in Perth work?

Many small businesses can, from time to time, use the financial push that a business cash loan provides. These loans work by allowing access to funding quickly in the event of an emergency or even if you want to increase your stock for the upcoming holidays.

The institutions that provide these business cash loans in Perth are usually able to give you a reply the same day. These same lenders are also providing additional financial services to Perth residents, including personal loans if the business loan does not apply to your needs.

How to compare short term loan lenders

  • Turnaround time.

With most offering online applications and quick reviews, you can find a business cash loan in Perth that will give you money in hand within 24 hours, if the very same day. If you need the cash that fast, compare the average wait time between lenders and fees involved..

  • Loan amount.

The minimum and maximum amounts allowed will vary from lender to lender. If it is only a small push you need, try to find a lender that will accommodate that rather than applying for more money than required.

  • Fees.

You are going to want to see how much you will have to pay in interest and fees once the loan is settled.

  • Other services.

Try and find a business cash loan provider in Perth that is offering a wide range of banking services. By developing a relationship with them you may make it easier on yourself in the future if you ever have a need for a personal loan or other type of loan.

In what areas in Perth are cash loans available?

Most of the business cash loan providers that service Perth have online access, allowing them to be available to just about every part of the city and the outlying suburbs. With the large number of small businesses in the city, there is no area that will not benefit from this service.

With its high influx of immigrants and fast-growing economy, Perth is full of small businesses that are providing essential goods and services. These businesses are able to grow and thrive along with the city with the help of business cash loans.

  • West Perth.

    This once exclusive suburb of Perth is now predominantly business oriented with a large number of medical specialists and mining companies. Serving these offices is a main commercial zone on Hay Street. Also benefiting from this commercial area is the state Parliament House, a major feature of West Perth.

  • Northbridge.

    A large ethnic community makes up the population of Northbridge, an inner-city suburb of Perth. At its core is Perth’s main nightlife district, which is located on James and Lake Street.

  • East Perth.

    Inside of East Perth is the main railway station for interstate travellers. Claisebrook has platforms for most of the railroad lines in Western Australia, including the Indian Pacific.

  • Kensington.

    Named for a former racecourse, Kensington is a mostly residential suburb of the city. Bordering Technology Park, Kensington is home to the playing fields for Wesley College.

  • Perth.

    The central business district for the city is located within the suburb of Perth, which spreads northward to Hyde Park. This is a predominantly commercial area which is also home to the Western Force Super Rugby team.

  • Highgate.

    One of the smallest suburbs of Perth, Highgate was named for a village in Kent, England. Its skyline includes the Lincoln Street Vent, an old sewerage vent which was used during WWII as a secret base for communications.

Pros and cons


  • Funding.
    Most business cash loan providers in Perth provide a wide range of loan amounts.
  • Quick turnaround.
    You can usually have the funds you need in one or two days.
  • Easy application.
    In many instances, you will only need to provide proof of consistent sales and a physical place of business.
  • Flexibility.
    Many of these services are offered with terms that range from one month to three years.
  • Interest rates.
    The interest rates for these loans are surprisingly low considering the quick service they provide.


  • Fees.
    There could be monthly fees with a business cash loan that will vary from provider to provider.
Questions people

Questions to ask your payday loan provider

Before signing any paperwork for your loan, make sure that you have a clear understanding of all of the following points by asking a representative directly:

  • How often may I make repayments and am I penalised with fees for making extra ones?
  • Will you be directly debiting my transaction account for the repayment?
  • What kind of documentation will you need for an approval?
  • Will I need to provide an asset as a form of collateral for this loan?
  • How much credit can be extended and what may I use it for?

While this type of loan is certainly appealing for a small business owner, you should be carefully considering all of your options. Compare the different lenders’ terms and fees carefully before you make any final choice.

Picture: Shutterstock

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