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Personal loans Business loans

Business loans

Start growing your business.

Won't affect your credit score

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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.

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Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.

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A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.

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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

5.0 Understanding. Prompt. Professional. australia
5.0 Smooth, Simple and easy australia
5.0 Easy to use, process is simple australia
5.0 Simple and quick australia
5.0 Fast and professional service.
Staff very quick to respond to my questions.
Greatly appreciated. Thank you. I would highly recommend.
5.0 Fast and reliable and professional Qld, australia
5.0 Such a great yo experience so clear and simple australia
5.0 Simple, easy, helpful australia
5.0 Easy simple trustworthy australia
5.0 quick and easy very professional as all is done online australia
5.0 Quick and simple australia
5.0 Quick and simple great australia
5.0 Highly recommended nice easy simple process. australia
5.0 Great, quick and simple process! australia
5.0 I love these guys! They are fantastic to deal with. Simple, easy and fabulous service! 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

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 more

Accelerate your business growth

Give your business a cash injection where it counts with a cashflow loan.

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We’ll give you a fair interest rate on your loan based on your credit assessment.

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If you pay off your business loan ahead of time, we won’t charge a fee.

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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.

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