1024x520 Barber 1x
Personal loans Business loans

Business loans

Start growing your business.

Won't affect your credit score

Our latest awards
MostInnovativeCompanies Logo RGB Primary v2
Finder Award Highly Commended RGB
Best Excellent Credit Personal Loan 8
Frame 149137

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.

Time icon v15

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

Business icon v8

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

Unsecured house icon v3

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 Quick and simple australia
5.0 Application process is simple and faster. australia
5.0 Always amazing to deal with easy and simple australia
5.0 Quick and simple australia
5.0 The process in applying for the loan was very quick and simple australia
5.0 Wow so fast and will give you a go when the banks won't australia
5.0 A simple experience always with friendly efficient staff australia
5.0 Staff were professional … online portal is user friendly australia
5.0 Excellent process.. Very simple & convenient. australia
5.0 Best finance company on the market simple easy fair and fast australia
5.0 Very simple and easily guided process. australia
5.0 Simple and fair credit arrangement. australia
5.0 So easy & professional australia
5.0 Very professional and fast in correspondence. australia
5.0 So efficient & simple 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.

Accelerate your business growth

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

Personalised rates icon v28

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

Repayments icon v11

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

100 online icon v16
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.

Customer service m wide min v3