Business Loan Wizards

0482 080 056

Fast & Easy Business Funding
No Collateral Needed

  • Up to $250,000 with no asset required
  • Credit decisions within 24 hours
  • Apply online in 7 minutes
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Eligibility

Our eligibility criteria are easy to understand. We only perform credit checks when we believe we’re the right fit to support your financial goals.

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  • An active ABN or ACN
  • 6+ months in business
  • GST registration

Finance that works for you

Apply for a business loan in 7 minutes and get a decision within 24 hours.

Help with cash flow

Access working capital to keep your business running smoothly.

Purchase inventory

Scale your business with new tools, inventory, or equipment.

Pay for overheads

Cover operating costs, including staff, utilities, and other bills.

Repay debt

Refinance business debt into manageable repayments.

Our business loan

  • Borrow $10,000 – $250,000
  • 12 – 36 month loan terms
  • No asset security required
  • Apply online in 7 minutes
  • Credit decisions within 24 hours
  • Getting started won’t impact your credit score

Apply for Business Funding in 3 Simple Steps

Get up to $250,000 with no collateral application takes just 7 minutes:

1
Tell Us About Your Business
Share some basic personal and business details to kick off your application.
2
Connect Your Financial Data
Securely link your online banking or accounting platform so we can assess your eligibility and funding amount.
3
Receive Your Funds
Once approved, choose your preferred business bank account—funds are transferred fast.

See Why Australian Small Business Owners Trust Us

We’ve helped thousands of local businesses grow. Here are their stories.

“We needed to act quickly on a bulk stock deal. Loan Wizards had the funds in our account the next day—couldn’t believe how fast it was!”
Sophie
Retail Store Owner
“No paperwork. No stress. Just a straightforward application and clear repayments. This is how business lending should be.”
Jason
Café Owner
“Cash flow was tight between contracts. Loan Wizards came through quickly and kept my business running smoothly.”
Mark
Construction Contractor
“Everything was upfront—no surprise fees. I used the calculator, and my repayments matched exactly. Super trustworthy.”
Ella
Online Store Founder
“I used my loan to invest in new equipment. The process was fast, and the extra revenue paid off the loan in months.”
Dinesh
Landscaping Business Owner
“Banks said no. Loan Wizards said yes—with no collateral required. I’ve already recommended them to my network.”
Alicia
Freelance Designer
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  • Request a callback

Leave your details and a business lending specialist will be in touch. Alternatively, if you’d like to chat to someone right now you can give us a call or chat on 0483 928 008

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Business Loan Basics

Business loans can serve many purposes—from expanding your operations to managing cash flow or purchasing inventory.

When exploring your funding options, there are several types of business finance to consider, including:

  • Term Loans

  • Business Overdrafts

  • Lines of Credit

  • Business Credit Cards

  • Equipment Finance

Before choosing a loan, it’s important to ask the right questions:

  • What is the interest rate—fixed or variable?

  • What are the loan terms?

  • Are the repayments manageable for my business?

  • What are the terms and conditions?

  • Are there any hidden fees, such as early repayment charges?

Asking these questions can help you find the most suitable financial product for your business goals.

Getting a business loan through traditional banks can be slow and complicated. You’ll likely face lengthy paperwork, complex documentation like business plans, and long wait times.

Even after all that, banks reject up to 74% of small business loan applications.

The good news? If your business has been operating for at least six months, there are better options available.

At Moula, our process is fully paperless. You can apply online in just a few minutes and receive a decision within 24 hours. We also offer unsecured business loans, so you won’t need to put up any collateral.

As a business owner, your time is valuable—you shouldn’t have to spend it filling out piles of paperwork or waiting weeks for a loan decision.

That’s why we’ve simplified the process.
You can complete your business loan application online in under 7 minutes—no business plan required.

Once you securely link your business data, we’ll assess your application in real time and give you an answer within 24 hours.

Traditional bank loans can take 6 to 8 weeks for approval—far too long when opportunities or challenges arise quickly.

Whether you need to:

  • Snap up discounted stock

  • Cover a short-term cash flow gap

  • Invest in new equipment

we’re here to help you move fast.

With us, there’s no long wait. Once approved, funds are transferred to your account by the next business day, so you can stay focused on growing your business.

Some business lenders charge extra fees like admin fees, direct debit fees, or early repayment penalties. These hidden costs can add up quickly and significantly increase the total cost of your loan—especially if you weren’t aware of them upfront.

That’s why it’s important to always read the fine print and understand exactly what you’re being charged before committing to any finance option.

At Wizards Loan, we keep it simple:

✅ No hidden fees
✅ No surprises

Use our loan calculator to see exactly what your repayments will be—transparent and upfront from the start.

Business Loan FAQs

To qualify for a business loan with us, you’ll need to meet the following criteria:

  • Hold an ABN or ACN

  • Be in business for at least 6 months

  • Generate a minimum of $10,000 in monthly sales

  • Be registered for GST

We offer business loans ranging from $20,000 to $250,000.
When you apply, we’ll assess your business data and let you know exactly how much funding you’re eligible for—quickly and transparently.

At Loan Wizards, we believe in keeping things transparent—no hidden fees, no surprises.

Here’s what you can expect:

  • 2% establishment fee (one-time, upfront)

  • No transaction or early repayment fees

  • Repay the loan amount (principal) + interest

  • Interest rates from 15.99% to 35.99% APR

You’ll receive a clear repayment schedule outlining exactly how much you’ll pay and when.

Want to see how it works?
Use our Business Loan Calculator to estimate your repayments and even download a sample repayment schedule.

One of the biggest differences between Loan Wizards and many other lenders is our transparent pricing.

We don’t charge any hidden or unexpected fees—no admin charges, no direct debit fees, and no early repayment penalties. What you see is what you get.

Use our Business Loan Calculator to get a clear picture of your total repayment amount, and download a sample repayment schedule to see exactly how it all works.

Applying with Loan Wizards is quick and hassle-free.

  • Complete your online application in under 7 minutes

  • Receive a decision within 24 hours

  • If approved, funds are transferred to your account within 24 hours

That means you could have the money you need in just one business day.

At Loan Wizards, we do things differently—faster, simpler, and more transparent.

By securely linking your business data during the application, we can review your transaction history and provide a decision within 24 hours. Traditional banks, by comparison, can take 6 to 8 weeks just to process your application.

We’ve also removed the usual barriers:

  • No hidden fees

  • No fine print

  • No complicated paperwork

You’ll always know exactly where you stand.
We're here to help you grow your business, not slow it down.

At Loan Wizards, we take a responsible approach to lending.

Once you’ve shared some basic details and securely linked your business data, we assess your application based on key factors, including:

  • Your business profile

  • Time in business

  • Monthly sales and transaction volume

This allows us to make a fast, fair, and informed decision—often within 24 hours—without the need for mountains of paperwork.

By securely linking your business data during the application, we can review your transaction history and provide a decision within 24 hours. Traditional banks, by comparison, can take 6 to 8 weeks just to process your application.

We’ve also removed the usual barriers:

  • No hidden fees

  • No fine print

  • No complicated paperwork

You’ll always know exactly where you stand.
We're here to help you grow your business, not slow it down.

Yes—we perform a credit check, just like traditional lenders, to help us make a responsible lending decision.

But don’t worry—we’ll always ask for your permission first before running a credit check, and we only do so when it’s truly necessary.

At Loan Wizards, transparency and respect for your privacy are part of how we do business.

 

Not much—we’ve made the process quick and simple.

Once you securely connect your banking or accounting data, we can assess your application fast.

To comply with relevant regulations, we’ll also need to collect:

  • Your ABN or ACN

  • Some basic personal and business details

  • Limited credit information, with your permission

At Loan Wizards, we keep things streamlined so you can focus on running your business—not filling out paperwork.

 

At Loan Wizards, we’re committed to supporting the business community—not providing consumer credit.

That’s why we ask you to confirm the purpose of your loan. We're required to ensure that all funds are used strictly for business purposes, as we are not licensed to offer consumer loans.

It’s a simple step that helps us remain compliant and focused on helping businesses like yours grow.

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By getting started you are agreeing to our Terms & Conditions