Business Loans
Smart Business Loans for Every Stage of Your Journey
Flexible Finance to Support and Grow Your Business
Whether you're a startup, SME, or established enterprise in Melbourne or across Australia, Fintegrate Lending delivers fast, flexible, and tailored commercial lending solutions to power your business forward. As a trusted Melbourne-based asset finance broker, we specialise in matching Australian businesses with the right funding—quickly, efficiently, and on competitive terms.
From managing cash flow gaps to scaling operations or bridging seasonal demand, our range of business loan options includes:
- Business Line of Credit
- Cash Flow Funding
- Working Capital Loans
- Invoice Funding (Debtors Finance)
Let us help you access the capital you need—without the runaround.
Looking for a business loan?
Contact Fintegrate today
Business Line of Credit
Get flexible, revolving access to funds—up to $500,000—just like a business credit card, but with lower interest rates. Draw only what you need, when you need it, and repay as you go. Ideal for managing unexpected expenses, seasonal peaks, or ongoing operational costs.
Cash Flow Funding
Smooth out income fluctuations with short-term cash flow loans designed to cover payroll, rent, utilities, or supplier payments during slow periods. Fast approvals mean you’re never left stranded.
Working Capital Loans
Finance day-to-day operations with purpose-driven working capital loans. Use funds to restock inventory, invest in marketing, hire staff, or cover tax obligations—keeping your business running smoothly year-round.
Invoice Funding (Debtors Finance)
Unlock cash tied up in unpaid invoices—often within 24–48 hours. Get up to 85% of your outstanding invoices upfront, so you’re not waiting 30, 60, or 90 days to get paid. Perfect for B2B businesses with strong receivables.
Who We Help
Sole traders & partnerships
Pty Ltd companies
Established businesses seeking growth capital
Startups with strong cash flow
Companies with ATO debt or short-term liquidity challenges
Credit history not perfect? We still want to talk. Our panel includes lenders who consider your full business story—not just your credit score.
Broker Advantage
We’re not tied to one bank. We compare 30+ commercial lenders—including major banks, challenger lenders, and specialist finance providers—to find your best deal.
Fast Turnaround
Pre-approval in as little as 24 hours. Funds can be available within 48–72 hours for urgent needs.
Flexible Terms
Loan amounts from $10,000 to $2M+, with terms from 3 months to 5 years. Secured and unsecured options available.
SME-Focused Expertise
We understand the unique challenges of Australian small and medium businesses—from construction and transport to retail, hospitality, and professional services.
Transparent & Ethical
No hidden fees. No pressure. Just honest, strategic advice from experienced Melbourne-based commercial finance brokers.
See What Our Clients Have to Say
Visura Fernando
I had an outstanding experience with Prabath as my mortgage broker. He went above and beyond to secure the best possible mortgage terms for me. Prabath was always available to answer my questions and provided expert guidance throughout the entire process. His thoroughness, efficiency, and personalized approach made the complex task of obtaining a mortgage straightforward and stress-free. I am incredibly grateful for his support and would highly recommend Prabath to anyone looking for a top-notch mortgage broker. Thank you, Prabath, for your exceptional service!
May 24, 2024
Jerome Ngoma
I have known Prabath since 2014.
I am delighted to provide a glowing review for Prabath. Since we were initially colleagues in the private sector, he has transitioned into mortgage broking and has consistently demonstrated high levels of professionalism, expertise and dedication. I have every confidence that Prabath will continue to excel in all endeavours.
Highly recommend
Des Dardenne
Strongly recommend, very professional, superior industry knowledge and honest. Prabath puts his customers first and works hard to get the desired outcome.
May 22, 2025
Sindu Nadesan
Prabath was so easy to work with he always made sure that, we as the client were his first priority and ensured we got the best result and experience throughout the process! Would definitely recommend because I know it will be a great outcome!
July 18, 2025
Audrey Teoh
Local Guide
I had a great experience working with Prabath from Fin9 for my recent home loan. This wasn’t my first time going through the process, but Prabath really stood out with how clear, fast, and honest he was throughout. He took the time to explain everything properly, handled the processes issues without any stress, and managed to find me a better rate than another lender I was looking at.
October 17, 2025
Ready to Strengthen Your Business with the Right Finance?
Let Fintegrate Lending help you choose the right Business Loan to keep your operations thriving.
Contact our team today to discuss your commercial lending needs and secure a solution that works for you.
How It Works
Simple. Fast. Stress-Free.
Consult
Tell us about your business, funding need, and timeline.
Compare
We match you with the most suitable lenders and loan structures.
Approve
Submit minimal documentation; get fast conditional approval.
Fund
Receive your capital and get back to business.
Serving Melbourne & All of Australia
Headquartered in Melbourne, VIC, Fintegrate Lending supports businesses in every state and territory—from the CBD to regional Victoria, Sydney, Brisbane, Adelaide, Perth, and beyond. Wherever you operate, we bring local insight and national lending power to your doorstep.
Ready to Power Your Business Forward?
Don’t let funding gaps slow your momentum. Whether you need $20K for payroll or $500K to seize a growth opportunity, Fintegrate Lending is your strategic partner in commercial finance.
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