About 123 Business Loans

Who we help

We work with Australian businesses that need money for a business reason: a tradie buying a second ute, a café fitting out a new site, a builder waiting on a progress payment, a retailer stocking up before Christmas, an online store funding a big order, a farm between harvests, or an owner clearing an ATO debt before it grows teeth.

Some have spotless credit and property behind them. Others have a black mark, a newer ABN or a tax debt they'd rather not talk about. All of them get the same thing from us: a straight conversation about what's realistic.

Why "one, two, three, funded!"

Because borrowing for your business shouldn't feel like a maze. Our process is three steps: 1. Apply with a 60-second online enquiry. 2. Chat with one of our experts, who works out what fits. 3. See funds in your business bank account once your loan is approved and signed. The fun stops at the name, though. Underneath it is careful work on the right loan for your numbers.

How we think about loans

We don't start with "how much can you get?" We start with "how much can the business comfortably repay?" That's why our 1-2-3 Loan Repayment Planner works in dollars against your turnover, and why every page on this site talks about repayments in real money rather than headline rates.

• Property-secured business loans (first mortgages, second mortgages and caveat loans) from $20,000 to $5,000,000 against residential or commercial property.
• Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Past credit issues and ATO debt considered case by case.
• Business purposes only.

We don't publish interest rates. Every loan is priced on the business's own circumstances, so the only honest answer comes after a proper conversation.

Our promises, plainly

• No credit check to enquire. Asking what's possible doesn't touch your credit file.
• No spray-and-pray. We don't send your details out to a crowd of lenders and hope one sticks.
• A real expert. A person reads your enquiry and calls you. Not a bot, not a call centre script.
• Accuracy pays off. If you fill in the form honestly, we can match you properly first time.

Who runs 123 Business Loans

123 Business Loans is operated by U Collective Group Pty Ltd, trading as 123 Business Loans, based at 412 St Kilda Rd, Melbourne VIC 3004. You can call us on 03 9072 0200 or start with the 60-second enquiry.