Business loans
Start growing your business.
Won't affect your credit score
Our latest awards
Borrow up to $70K with a small business loan
Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.
FAST CASH
Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.
LESS PAPERWORK
A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.
DON’T RISK ASSETS
All our personal loans are unsecured, so you don’t have to put up your home, car, or other property as security.
What our customers say
Staff very quick to respond to my questions.
Greatly appreciated. Thank you. I would highly recommend. australia
Simple, 100% online
1. Get to know you
Tell us about the business loan you want, then details about yourself and your finances.
2. Get your quote
Your quote will include your loan terms, interest rate, borrowing limit and repayments.
3. Get your money
If you’re happy with your loan offer, all we need is some final details, and you should get the money within 24 hours.
What we offer
$2K - $70K
Loan limits
3, 5 or 7 years
Loan terms
$275 or $575
Establishment fee
$0
Early repayment fee
- You can get a 3, 5 or 7 year loan term¹
- Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
- Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
- Your rate is fixed for the life of the loan
- Establishment fee of $275 for loans under $5,000 ⁴
- Establishment fee of $575 for loans $5,000and over ⁴
- No monthly account keeping or early repayment fees
- You can repay weekly, fortnightly or monthly
Find out more about our rates and fees
*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.
Quick business loan estimate
Use our loan calculator to get a quick estimate of interest and repayments on a business expenses loan.
Common business loan questions
View moreAccelerate your business growth
Give your business a cash injection where it counts with a cashflow loan.
PERSONALISED RATE
We’ll give you a fair interest rate on your loan based on your credit assessment.
NO EARLY REPAYMENT PENALTIES
If you pay off your business loan ahead of time, we won’t charge a fee.
100% ONLINE – 24/7
Get a quote in minutes in minutes from home or the office.
Grow your business today
Apply for a small business loan and achieve your business goals.
We're real people and here if you need us
If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
