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Moula Business Loan
Max. Loan Amount
Loan Term
1 to 2 years


Borrow between $5,000 up to $250,000 with terms up to 2 years.

Moula offers small business loans via an online application process it says can take as little as 7 minutes. Moula's loan terms are relatively short, ranging from 1 to 2 years. Although the repayments are flexible and no exit fees apply, the interest rates can be high. They range from 15.99% p.a. up to 35.99% p.a. Your rates will vary based on your business situation.

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Product details

Product Name Moula Business Loan
Min. Loan Amount $5,000
Max. Loan Amount $250,000
Loan Security Unsecured
Loan Term 1 to 2 years

How does a loan from Moula work?

When you apply for the loan, you are required to submit your business data, which Moula will use to determine your eligibility. You can apply for a loan of up to $250,000 with terms ranging from 1 to 2 years, and it only takes ten minutes to apply.

If your application is approved, you'll be offered a repayment amount and loan schedule. Once you sign the loan agreement, you'll be transferred the money within 24 hours. Repayments are automatically direct debited from your account every fortnight over a six-month term.

What features does Moula offer with its loans?

You can find several benefits on offer from a Moula Business Loan.

  • SMART Box. You will receive the SMART Box business loan comparison tool with your letter of offer, which lets you compare loans using seven key metrics.
  • Automatic repayments. Repayments will be direct debited from your account on the due dates in accordance with the loan schedule you receive when your application is approved. You'll receive an SMS reminder a few days beforehand.
  • Range of loan amounts. You can apply for a loan between $5,000 and $250,000, making it suitable for a variety of small business needs.
  • Repayments are flexible. While you need to make repayments every fortnight, you can extend your loan term by mutual agreement or repay the entire loan early. Keep in mind that the principal amount will need to be repaid during the six-month term.
  • No security required. Moula loans are unsecured, so you won't be required to provide a guarantee to be approved.
  • Online account management. You can easily manage your account online using Moula's online portal.

How much does the loan cost?

If you are approved for the loan, you'll receive a loan schedule that outlines all interest and fees. Here is a general outline of the costs you can expect:

  • Direct debit dishonour fee: Up to $30 for each instance
  • Payment rescheduling fee: You will pay up to $40 for each direct debit transaction that is rescheduled
  • Late payment interest. You do not pay any additional interest if your payment is late, you'll just need to pay the standard interest on the amount in arrears
  • No fees for loan disbursement, direct debits or for early repayment.

Is there anything to be aware of?

Moula only offers business loans, so you'll need an ABN or ACN to be eligible. Your credit history will also inform Moula's decision.

If you are applying on behalf of a company (not as a sole trader), you will be required to provide a personal guarantee that the company will meet the loan repayments.

Here's how to apply for a Moula Small Business Loan

The application process is simple and can be started by clicking "Go to Site" on this page applying online. First, consider the following eligibility criteria:

  • The business has been operating for at least 6 months
  • You have fair or better credit history
  • Your business has an active ABN/ACN
  • The business has average monthly sales of at least $5,000

You'll need to enter some basic personal and business information and then link your business data so it can be analysed by Moula. If you're approved, Moula will confirm how much it can lend you and will send you a repayment schedule. Once you sign the loan agreement, you can expect to receive the funds soon after.

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