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Personal loans Business loans

Business loans

Supporting Aussie businesses

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Our latest awards
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mozo award 2018
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mozo award 2018 v2

Borrow up to $50K 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 Very simple and fast for both application and approval. Australia
5.0 such a quick and simple process. Do this it's so good. Australia
5.0 Simple process and very good customer service. Australia
5.0 So quick and simple. Australia
5.0 Very professional Australia
5.0 So simple and really fair interest rates - very happy. Australia
5.0 Simple and easy Australia
5.0 Verry professional easy to apply very clear and fair terms and conditions Australia
5.0 So simple, straightforward and easy to use. I think the service is great. Australia
5.0 It’s been a very simple process Australia
5.0 Cheers this is a life changer for me Australia
5.0 Simple to organize Australia
5.0 So easy and simple Australia
5.0 Fantastic helpful professional Australia
5.0 So simple with very decent terms- would much prefer over the big banks Australia
5.0 Simple and easy to understand. The layout of the website, was very user friendly. Australia
5.0 Very easy to get funding Everybody body at Harmoney are easy to talk to and very helpful with any questions I had and help me every step of the way with my application. Cheers Peter Australia
5.0 Thanks so much process was simple and fast. Australia
5.0 Very simple , quick and easy Australia
5.0 Everything was so involved with technology which made it so simple ! No speed bumps on the way. Even each step along the way is very simple to understand. Amazing people on the phone too ! Australia
5.0 Very simple to use. Very quick response timframe. Australia
5.0 Process was simple and fast. Australia
5.0 Wow great service Australia
5.0 Super efficient and professional. Everything is written to easily identify important information quickly. No hidden fees or penalties. Australia
5.0 Simple, easy process Australia
5.0 Quick and easy application and approval. Staff attends to your inquiries quickly. Very professional. Grew customer service. Australia
5.0 Simple, quick and stress free. Thank you. Australia
5.0 always pleasure doing business with you guys. love the simplicity and the straight forward nature. top company Australia
5.0 Easy, simple process Australia
5.0 Simple application process, fast turnaround. Customer service is excellent. Australia
5.0 The Best in the Business, that's why I've been back twice Australia
5.0 Simple easy process Australia
5.0 Quick and simple. Not painful like I have had in the past Australia
5.0 I Recommend Harmoney for Fast, Hassle free loans with professional staff available for any questions for quick response via phone ,and online. Australia
5.0 Awesome service, very professional and lightening fast approval , provided u satisfy their requirements, can’t recommend enough to other clients !! Australia
5.0 Simple and fuss free Australia
5.0 Simple, easy to understand and fast Australia
5.0 Smooth. Simple. Refreshing. Australia
5.0 Thankyou for a simple and fast way to apply. This is my second loan with Latitude and the service is always excellent Australia
5.0 Quick and simple - very impressive Australia
5.0 Wow, outstanding online process. I found this lender via and they rated this lender in their top 10. I would rate them number 1 Australia
5.0 Life saver
Very quick
Professional and a very happy and long term customer
5.0 Cheers Australia
5.0 The whole application process was easy, quick and simple to use - very impressive and would definitely recommend to others. Australia
5.0 Great. Simple and easy to follow Australia
5.0 It was simple and quick Australia
5.0 simple, easy.. affordable. Australia
5.0 Really easy. So simple and communication and support is fantastic through the whole process. Australia
5.0 Easy, simple and convenient. I really enjoy using Harmoney. It gives me options to choose where I want my money to go. Australia
5.0 Easy and simple Australia
5.0 This website simple, fast and easy to use. Australia
5.0 wow how easy was that - I was ready with all my paperwork to send to you but being able to enter my details and you check it online - amazing. What a great service. Australia
5.0 The process is a simple and user friendly experience Australia
5.0 Great customer service, fast, simple application process Australia
5.0 The whole experience so far has been really easy. I contacted the office and spoke to a customer service officer (Mia) who was very helpful. So professional and helpful. I am super happy to get this help. These are difficult time and this process has been just awesome. Thank you Australia
5.0 It was quick and simple. Took less than 10 minutes Australia
5.0 fast and simple, great customer support
money in bank within 24 hours
5.0 Always a very simple and clear experience, many thanks! Australia
5.0 It was quick, simple and easy. Australia
5.0 Easy and simple process Australia
5.0 Very simple process Australia
5.0 The Staff at Harmoney, are professional and very helpful in every way. i would recommend them to every one Australia
5.0 Easy & Simple to do. Australia
5.0 easy, fast and simple Australia
5.0 Really appreciate having a better rate offered when it is available. Also like the "no-sell" approach and not being hassled, but rather a caring and business-like approach. Australia
5.0 Found the loan application to be very simple. Well put together easy to follow instructions. Australia
5.0 Thank you, your systems are in place to help customers shop at your site for loans etc. But I was expecting a bit lower rate specially during this situation. Australia
5.0 Very informative and simple. Australia
5.0 very simple and easy to handle Australia
5.0 Simple, clear, prompt application with excellent support. Australia
5.0 It is a always a simple and straightforward process with your group Australia
5.0 Very simple process Australia
5.0 Great service, fast and simple - responsible in how they deal Australia
5.0 simple and east Australia
5.0 Simple and easy Australia
5.0 very friendly communication easy online application very simple transaction all around thank you Australia
5.0 I'd just like to say that this is a very efficient way to do business. From sign up to the application process, straight forward, easily understood and completed. Over the phone Lenny was professional, with a very fast turn around from completing the application to a follow up phone call by him.

Thanking you
Qld, Australia
5.0 Simple and easy :) Qld, Australia
5.0 as advertised, fast, easy, professional. Qld, Australia
5.0 This was a simple process with a fast turn around Australia
5.0 Simple quick & friendly, also great interest rate Australia
5.0 Quick simple and super helpful Australia
5.0 Very professional. .thankyou Australia
5.0 Excallent and friendly staff josefa Vitayaki and Paulina were a delight to talk with and so professional a rare trait in today's market an pleasure to deal with and the two people you should be proud of to have in your team thank you NSW, Australia
5.0 Simple and easy Australia
5.0 Simple and quick application process. Australia
5.0 Simple, Quick and Easy. Australia
5.0 Is just very simple and very quick. An amazing automated service Australia
5.0 It was a really really simple process, approval and funding same day with a good rate. NSW, Australia
5.0 Very straightforward and simple process. Regular feedback provided. Very professional dealings with all concerned. Qld, Australia
5.0 Always easy, fast and friendly. Professional. Will always use them over the banks Qld, Australia
5.0 Really quick and easy so far. Not having to provide pay slips and have everything automated via bank account look ups is fantastic. Great service and simple to follow the steps. All done in less than an hour. 5 stars Vic, Australia
5.0 A very simple, and easy to understand process Australia
5.0 Very professional service and quit response keep up the good service NSW, Australia
5.0 Fast ,simple and beyond my expectations. Australia
5.0 No issues, paperwork is easy and professional people working at Harmoney. Love Harmoney!! This is my first Top up loan! NSW, Australia
5.0 Simple procedure and prompt response Australia
5.0 Just so easy and simple. No hurdles to go thru!! NSW, Australia
5.0 Easy, fast and thoroughly the best process I've ever done. At first I was a bit nervous about doing everything online but it was amazing everything was a flawless process, so easy very professional and fast, will never use a bank again, the rate was very good and the terms and conditions great Vic, Australia
5.0 Quick and easy simple application 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 loan terms

Your small business loan terms will detail your interest rate, borrowing limit and repayments.

3. Get your money

If you’re happy with the loan terms, we need some last details and you should get the money inside 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

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
Can anyone apply for a business loan?

To apply for a small business loan in New Zealand:

  • You must be at least 18 years of age

  • You must be an NZ citizen or Permanent Resident

  • You must show proof of a stable income

To apply for a small business loan in Australia:

  • You must be at least 18 years of age

  • You must be an Australian citizen, Permanent Resident or New Zealand citizen

  • You must show proof of stable full-time or permanent part-time employment

  • You must show proof of identity such as a valid Australian passport or Australian driver’s licence

  • Your credit file should not include any bankruptcies, defaults or judgments

  • Your loan must be for a minimum of $2,000

Business loans with Harmoney are treated just like personal loans. We’ll tell you what documents we need to see at each step of the online application process.

What can I use a small business loan for?

Your business loan can be used to cover many expenses related to your business up to your loan limit, such as buying or upgrading equipment, stocking up on inventory, paying for services and registration fees, or just to help with short-term cashflow. However, a business loan can’t be used for general day-to-day business expenses. Let us know your plans when you make your online loan application.

Does a business loan affect my credit?

Harmoney business loans are taken out as personal loans in your name, so your credit rating will be influenced by your borrowing activity. Simply getting a quote from us for a business loan won’t affect your credit score. Only once you’ve approved the quote and apply will an application show on your credit file.

Even a business loan taken out under your business name may affect your personal credit if you’ve guaranteed the account.

What business records do you need to see?

Harmoney small business loans are a type of personal loan, designed to help people who may only be starting out in business or dealing with cashflow problems. This means we don’t need to see business tax returns, evidence of turnover or how long your business has been operating unless you’re self-employed.

If you are self-employed we will require both your personal and business accounts from the last 3 months. We also need a personal tax return and profit and loss statement from the last financial year.

In Australia you also need to provide a Notice of Assessment.

Can I extend my business loan?

If you already have a business loan with us and you want to borrow more, it may be possible to arrange a loan top up if you’ve maintained a good credit and met your scheduled repayments for 6 months or longer.

Can I use a business loan to buy a car or fleet for my business?

If you need to finance a vehicle purchase, a car loan with Harmoney should be arranged separately.

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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100% ONLINE – 24/7

Apply for an online loan in minutes from home or the office.

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

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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