Business Loans
Empowering business owners with flexible finance solutions for growth, cash flow and opportunity
Fuel growth with the right business loan
A business loan isn’t just about funding—it’s about momentum. Whether you’re looking to grow your operations, manage cash flow, invest in new equipment, or seize a fresh opportunity, having the right finance in place can help your business take the next big step. With UFinancial, you get more than a loan—you get a lending partner who understands your goals.
Our Process – Simple, Fast & Strategic

Quick Application
Get started with a fast online or phone enquiry

Same-Day Decision
We’ll review your eligibility and provide a quick answer

Access Your Funds
Once approved, funds can be available within 24–48 hours

Support Business Growth
Use the capital to move your business forward
Types of business loans we offer
- Unsecured Business Loans
Fast access to funds without collateral - Secured Business Loans
Larger funding amounts with competitive rates - Line of Credit
Flexible drawdowns to manage cash flow on your terms - Invoice Financing
Unlock working capital from unpaid invoices - Equipment & Vehicle Finance
Invest in essential tools without using working capital - Start-Up Loans
Specialist funding to get your new venture off the ground - Franchise Loans
Tailored lending for franchise set-up or expansion
Latest news
What the latest RBA cash rate drop means for you
The Reserve Bank’s latest rate cut brings the cash rate to 3.85% - the lowest since May 2023. Whether you're a homeowner or buyer, this move could affect your loan repayments, borrowing power, and refinancing options. Here's what you need to know...
But don't just take it from us.
Hear from a few of the 1000's of Aussies we've helped!
A special thank you goes to Paul, who was nothing short of amazing throughout the entire journey. His professionalism, responsiveness, and depth of knowledge made us feel confident and supported every step of the way. Paul took the time to explain everything clearly, answer all our questions with patience, and ensure we were comfortable with each decision.
What could have been a complicated and overwhelming process was made easy and straightforward thanks to Paul and the entire team at Nelson Financial. We always felt like a top priority, and their attention to detail and commitment to excellent service truly set them apart.
We couldnt be happier with our experience and highly recommend Nelson Financial to anyone looking for a seamless, trustworthy, and personalised home loan process!
I am always thoroughly impressed by their client care, diligence and hard work, and brilliant financial results.
Highly recommend.
He checks in regularly to try to get us a better deal and always has time for our dumb questions.
Cannot recommend Paul highly enough!
Thanks again to all involved!
Daniel has a very calming presence and helped put our minds at ease on many occasions. Always making himself available as we needed, he’s a lovely bloke and a pleasure to work with.
Fiona & Jake
I am grateful for their service, and would highly recommend UFinancial. Thank you again.
I offered him payment for his time as I felt awful / he never once would accept a cent.
Two years on, I finally have settled my dream home, albeit paying more than I thought I could afford, and Daniel and the U Financial team were incredible again. Responsiveness and willingness to help is like no other professional I’ve seen. Don’t hesitate to contact him - you won’t be disappointed.
Laura was incredibly knowledgeable, patient, and always available to answer any questions we had. She took the time to understand our needs and guided us through every step of securing the best deal possible. Her expertise and professionalism made what could have been a complex process so much easier to navigate.
If you're looking for a reliable, efficient, and supportive broker, we highly recommend Laura!
End result was awesome, than you very much.
Her communication style is not only reliable but also very reassuring. Stacey guided me with great patience, especially when I needed to gather missing documents, and her suggestions were always clear and incredibly helpful. She made the process smoother than I ever expected.
What sets Stacey apart is her approachable, supportive, and responsible attitude. She took the time to offer me options from multiple lenders, providing transparent insights into the pros and cons of each, many of which I wouldn’t have even considered on my own. Her depth of knowledge and openness in sharing it truly stand out.
When you speak with Stacey, you’ll instantly feel the difference. She’s not just someone doing her job, she’s someone who genuinely cares. You’re talking to a real human who is deeply invested in helping you find the right solution, not just launching a case and ticking boxes.
Whether you're a first-time buyer or have purchased properties before, I wholeheartedly recommend Stacey for any future purchases. What we all need in a broker is someone who is trustworthy, knowledgeable, and genuinely supportive—and Stacey is exactly that.
To anyone reading this, and especially to her management team: Stacey Day is a remarkable asset. Her professionalism, dedication, and care go far beyond expectations. I couldn’t recommend her more highly.
Her clear communication and attention to detail made the transition smooth and stress-free. Debbie's support was greatly appreciated, and we're thankful for her care throughout the process!
Would happily recommend her services. Thank you Laura !
Very happy with service and will recommend to anyone.
Regards Monique watling
The UFinancial team was also fantastic, ensuring everything was handled efficiently and keeping us updated every step of the way. Thanks to their guidance, my partner and I were able to achieve our dream of homeownership. We highly recommend Stacey and UFinancial to anyone looking for expert mortgage advice and outstanding service!
If you need a broker I can’t recommend Stacey enough.
Andrew worked tirelessly to ensure that we were approved for the loan, guiding us through every step and answering any questions we had along the way. His dedication and persistence really stood out, and we always felt supported. He made what could have been a stressful experience feel smooth and manageable. Thanks to Andrew’s hard work, we’re now on our way to owning our first home, and we couldn’t be more grateful for his expertise and commitment. 5 Stars isn’t enough for Andrew’s service!
Geoff always has the correct advice and very quick to respond with any questions or dilemma.
Keep up the good work guys.
Thank you Nicole!!
They truly went above and beyond to seek the best deal for us to purchase our home.
Cannot speak highly enough of them as they made the process seamless and less stressful through clear, constant communication.
Highly recommend the team at UFinancial.
us with purchasing our first investment property. His communication and customer-centric approach made it a seamless and less stressful process. Thanks again to Daniel and the team.
Fast reliable and helpful.
We would gladly recommend them to anyone looking to refinance or invest!
Made a potentially stressful time very easy and stress free
Thank you
Worked hard to get us the best results, looking forward to working with the team again in the future 😃
Thanks again for all the hard work
We highly recommend Daniel and Ufinancial Torquay.