Compare Best Small Business Loans | Specter Financial – LP

Funds in 24 Hrs

Get approved fast and receive funding within 24 hours to keep your business running smoothly.

Competitive Rates

We compare 80+ lenders to find competitive rates that often beat the banks.

Flexible Terms

Choose flexible loan terms and repayment plans that work best for your business.

Easy approvals

With our extensive lender network, we maximise your chances of quick and easy approval.

Compare Business Loans From 80+ Lenders

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Your Business Loan Questions Answered

Is my business eligible for finance?

To be eligible for financing or loans via Specter Financial you will need to meet one of two of the following criteria.

If you have been running your business for a period greater than 6 months with a minimum turnover of $10,000 per month, you qualify for financing.
If you own/are currently paying off property, you are also eligible, regardless of current circumstances relating to your business.

If you do not fall into either of these categories, get in contact with a friendly member of our team and we can discuss possible tactics moving forward.

How much can I borrow?

You can access unsecured business loans from $10,000 to $1,000,000. Our brokers will assess your financials and advise you on the best borrowing amount based on your business performance and cash flow—no asset security required.

What terms are available?

At Specter Financial, our customer-centric philosophy means that we will always strive towards terms that enable the highest chance of
success for you. Once we have established your current situation and future ambitions, we can work with you to arrive at terms that are
customised to your needs and mutually beneficial for both parties.

How do I apply for a business loan?

Applying is easy—just fill out our online form with a few basic details about your business. Our brokers will review your information, assess your financials, and match you with the most suitable loan options. We’ll guide you through every step for a smooth, hassle-free process.

Can I get a business loan with bad credit?

Yes, you can. We work with lenders who specialise in supporting businesses with less-than-perfect credit. Our brokers will assess your situation and find the best loan options to suit your needs.

How soon can I get approved and funded?

Our process is 100% online, so you can apply from anywhere in Australia. Get approved within hours and receive funds in as little as 24 hours—quick, easy, and hassle-free.

Fast Approval for Your Unsecured Business Loan

Our team is ready to guide you every step of the way. Let’s customise a financial solution that meets your business needs.