About us
Online lending, with a person on the other end
We make business finance work the way the rest of your business already does — online, connected and quick — without handing the decision to a black box.
Who we help
eBusiness Loans is for Australian business owners who run their operations through software: online stores and marketplace sellers, subscription and SaaS businesses, digital agencies and IT providers, plus clinics, salons and venues whose takings flow through practice software and point-of-sale systems. If your invoices, payroll and bookkeeping already live in the cloud, your finance application should too.
We arrange business finance only — working capital, stock, equipment and technology, tax bills, growth and bridging. Unsecured, cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. With residential or commercial property as security, business loans from $20,000 to $5,000,000 are possible, including first mortgages, second mortgages and caveat loans.
Why we work this way
Online lending solved the paperwork problem. You can share statements in minutes, prove your identity from your phone and sign without printing anything. What it didn't solve is fit. Many online applications go wrong because the business applied for the wrong product, with the wrong lender, at the wrong moment — and every failed attempt leaves another enquiry on a credit file.
So we split the job in two. Technology handles the collection and verification of information. A lending specialist handles the judgement: what the money is really for, how your revenue arrives, what the statements will show, and which lender's policy suits that picture.
The promises we keep
No credit check to enquire
Sending us your enquiry leaves your credit file untouched. A credit check is only raised once you've seen your options and chosen to apply.
One match, not a mailing list
Your enquiry isn't pushed out to dozens of lenders at once. We don't do spray-and-pray — one specialist works out where it genuinely fits.
Software helps, a human decides
A real lending specialist reads every enquiry and calls you. Honest, accurate form answers let us line up the right option on the first try.
In plain terms: your first enquiry never triggers a credit check; your details aren't fired off to a crowd of lenders hoping one bites; and a real person works on your situation. We ask one thing in return — answer the form accurately, including anything awkward like ATO debt or a past default, so we can match you properly the first time.
How we handle your data
We only ask for what's needed for the stage you're at. Bank data is shared through read-only connections or statements you choose to upload, ID checks happen with your consent, and nobody from eBusiness Loans will ask for your internet banking password by email, SMS or phone. Our data security explainer covers the detail, and our privacy policy sets out the formal position.
Where to start
Try the online readiness check to see what you have ready, read how it works, or go straight to the 60-second enquiry. Business purposes only.
eBusiness Loans is operated by the operators of eBusiness Loans. Office: Level 9, 440 Collins Street, Melbourne VIC 3000. Phone 03 8692 5559.
Ready to apply the digital way?
A 60-second online enquiry, no credit check to start, and one lending specialist who reads it and rings you with options that genuinely fit.
No credit check to enquire
One match, not a mailing list
Software helps, a human decides