🇦🇺 Pacific
Break Through the Big Four Bottleneck
Australia’s Big Four banks control 80% of business lending and reject SMEs at alarming rates. Granton Hale delivers funding decisions in hours with criteria built for Australian business realities.
Check Your EligibilityMarket Overview
Business Funding in Australia
Australia’s 2.5 million SMEs generate over $700 billion in annual revenue and employ roughly 7 million Australians, yet the Big Four banks — Commonwealth Bank, Westpac, ANZ, and NAB — control approximately 80% of business lending and have been steadily tightening their SME criteria since the Banking Royal Commission of 2018. The Commission’s findings led to a culture of extreme caution in lending, where responsible lending obligations are interpreted so conservatively that viable businesses are routinely declined.
The Australian market presents unique funding challenges. The country’s geographic vastness means businesses in regional and remote areas face even greater difficulty accessing bank lending (many regional branches have closed permanently). Seasonal industries — from tourism in Queensland to agriculture across NSW and Victoria to mining services in Western Australia — experience revenue patterns that bank credit models consistently misinterpret. And the rise of the gig economy and contractor-based workforce structures means many Australian business owners have income profiles that don’t fit traditional lending templates.
Granton Hale Capital operates across all Australian states and territories with funding from $25K to $20M AUD. We evaluate businesses on their actual BAS (Business Activity Statements), bank feeds, and revenue trajectory rather than demanding the two years of audited financials and property collateral that the Big Four require. Whether you operate a café in Melbourne, a construction firm in Sydney, a mining services company in Perth, or a tourism business in Far North Queensland, we deliver decisions in hours and capital in days.
Quick Facts
Country
🇦🇺 Australia
Currency
AUD
Funding Range
$25K–$20M AUD
Eligibility
- Registered Australian business with active ABN
- Minimum 3 months in operation
- At least $10,000 AUD in monthly revenue
- Active Australian business bank account
- GST registered (for amounts over $75K)
- Business operating in any Australian state or territory
The Challenge
Why Australia Businesses Struggle to Get Funded
Banking Royal Commission Created a Lending Freeze
The 2018 Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry led to a dramatic tightening of lending criteria. Banks over-corrected, interpreting responsible lending obligations so conservatively that viable SMEs with strong revenues are routinely declined.
Regional and Remote Business Abandonment
Over 1,000 bank branches have closed across regional Australia in the past five years. Businesses outside major metro areas face a near-total absence of relationship-based banking, forced to deal with call centres and algorithmic decisions that don’t understand regional business realities.
Property Collateral Obsession
Australian banks remain fixated on real property as security. In a country where housing prices in major cities have made property ownership increasingly inaccessible, this requirement locks out a growing proportion of business owners — particularly younger entrepreneurs and those in expensive markets like Sydney and Melbourne.
ABN and GST Complexity for New Businesses
Australia’s business registration and tax reporting requirements (ABN, GST, BAS lodgements) create documentation barriers for newer businesses. Banks want 2+ years of BAS history; many growing businesses have less, particularly if they started as sole traders and recently restructured.
Available Products
Funding Solutions in Australia
One application gives you access to multiple funding products tailored for the Australia market. View all solutions
Unsecured Business Loans
Loans from $25K to $2M AUD without requiring real property as security. Assessed on BAS lodgements, bank statements, and business performance — not your house.
Revenue-Based Financing
Flexible repayment linked to your daily or weekly revenue. Ideal for Australia’s seasonal businesses in tourism, hospitality, agriculture, and events where monthly cash flow varies dramatically.
Merchant Cash Advances
Advance against future EFTPOS and card terminal sales. Payments are automatic and proportional to daily transaction volume — popular with cafés, restaurants, and retail businesses across Australia.
Equipment & Vehicle Finance
Fund utes, trucks, earthmoving equipment, medical devices, and specialised machinery with chattel mortgage, hire purchase, or lease structures. Terms up to 7 years.
Business Lines of Credit
Revolving facilities from $50K to $5M AUD. Draw funds as needed for stock purchases, seasonal preparation, or unexpected opportunities. Only pay for what you use.
Industries
Key Industries We Fund in Australia
We welcome all industries — these are among the most common in this market.
FAQ
Questions About Funding in Australia
Do I need to have lodged BAS statements to apply?
While BAS lodgements strengthen your application, they are not always mandatory. For businesses under the GST threshold or recently registered, we can assess eligibility based on bank statements alone. However, having at least 2–3 BAS lodgements on file significantly improves approval likelihood.
Can I get funding if the Big Four knocked me back?
Yes — this is extremely common among our Australian clients. The Big Four’s post-Royal Commission criteria exclude many viable businesses. We evaluate your actual business performance, not just the metrics that caused a bank decline.
Do you fund businesses in regional and remote Australia?
Absolutely. We fund businesses across all states and territories, from Sydney CBD to remote Western Australia. Our entirely digital process means geography is not a barrier, and we understand the seasonal and cyclical nature of regional industries.
What documents do Australian businesses need to provide?
Core requirements are 3–6 months of business bank statements, your ABN, and a valid form of ID (driver’s licence or passport). We do not require audited financials, property valuations, or detailed business plans at the application stage.
Is property collateral required?
No. Our unsecured products do not require you to put your home or investment property on the line. We assess your business on revenue, trading history, and financial trajectory — not the value of your real estate portfolio.
Explore More
Other Markets We Serve
Ready to Get Funded in Australia?
30-second application. No hard credit pull. Decisions in hours.