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Business loans

Supporting Aussie businesses

Personalised rates from 6.99%¹
(comparison rate 7.79%)²
Our latest awards
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mozo award 2018
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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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FAST CASH

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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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

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 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 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 Very professional service and quit response keep up the good service NSW, 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 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 It was the best so easy and simple it's great NSW, Australia
5.0 So quick and easy, I originally applied for the wrong type of loan and Harmoney talked me through changing so I had the correct product with no fuss
I have dealt with Mia throughout- she is so patient courteous and professional. Thank you Mia for your guidance you were amazing Qld, Australia
5.0 Very easy, simple and hassle free :) NSW, Australia
5.0 A Quick, simple and efficient process. QLD, Australia
5.0 Simple application process, easy to follow and excellent communication, highly professional. Loan organised promptly once funded. Vic, Australia
5.0 I'm so happy that I came across Harmoney as I have had difficulty trying to get a loan through others,simple and easy to apply NT, Australia
5.0 Josefa has been very helpful in every way possible/ highly professional.
The process was quick and easy.
My only concern was the interest rate that I was given - was higher than expected NSW, Australia
5.0 Very simple to use Vic, Australia
5.0 Took a while to complete but I was distracted often by business issues but overall fairly simple to apply NSW, Australia
5.0 The customer service is excellent, very professional and excellent communication. Vic, Australia
5.0 Much easy to deal with than the banks! Simple process, fast results, peer to peer lending cutttout the middle man. Really impressed NSW, Australia
5.0 Fast, easy, in simple English. Friendly consultants Qld, Australia
5.0 Very strong, accurate system , high professional on line system , friendly staff, good communications , great web design , easy and fast security check system .

It is a great efforts got you on the lead .

Thank you very much NSW, Australia
5.0 This is such a quick and easy process. Super efficient. As long as all your online documents are in order it'll take maybe ten minutes for approval. I was approved and fully funded within two hours. So simple yet with great rates and terms too. Qld, Australia
5.0 Fast and easy application.
The approval rate was extremely quick.easy online application. no having to make appointments and wait at the bank.
Much better than the major banks.will not use a bank again.Give Harmoney your business.
Will use again.
Thank you. NSW, Australia
5.0 Harmoney have been both informative and diligent throughout this whole process from 'enquiry' to 'receipt'. I've received help every step of the way and have appreciated their professional thoroughness. Qld, Australia
5.0 Very simple and straight forward. NSW, Australia
5.0 A very professional & fast service ... easy to apply for & good communication throughout the process ... would definitely recommend HARMONEY to any prospective borrower. , Australia
5.0 Very prompt and good to deal with. Cheers Qld, Australia
5.0 Great facility, excellent website, easy process. A very sleek and professional company - service was excellent and funds received very quickly and efficiently. Very happy and would thoroughly recommend. NSW, Australia
5.0 Simple and quick way to get access to funds. Helpful call center team. NSW, Australia
5.0 Efficient and professional WA, Australia
5.0 Simple process excellent service WA, Australia
5.0 Harmoney provided me with the funds I needed very quickly which was really important to me. The application process was simple and when I had questions I was able to speak to someone in person and sort things out. One very happy Harmoney customer. Vic, Australia
5.0 This was so quick and easy, I hope we can do business again. Qld, Australia
5.0 Thank you for your help and kind assistance.
Easy and smooth customer service, good interest rates and professional organisation. Vic, Australia
5.0 Helpful and simple - Would definitely recommend NSW, Australia
5.0 So fast and simple - I can get my finances and my life in a straight line now - couldn't be more grateful to the Harmoney Team.
Great communication and service. WA, Australia
5.0 easy, simple and straight forward , Australia
5.0 Very easy to deal with. They made the loan process very simple. Will deal with again. Qld, Australia
5.0 High quality service , monitored by a quick accurate check up system .
very convenience , easy to use , confidential , easy , well presented web site get you to be in touch all the time with a big facilities to solve any problem it might be , which I doubt it that will be any problem with that professional work . NSW, Australia
5.0 Speedy and professional NSW, Australia
5.0 So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!!

Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved.

Three days later the funds had been received. It was that quick and that simple.

The rate I got was also very reasonable.

I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future.
Really please customer Vic, Australia
5.0 Great service professional and would absolutely recommend harmony to my friends and family they understood my needs and were willing to help, very friendly approach excellent staff satisfaction 10 / 10 in my book thanks harmony team. Qld, Australia
4.6/5

4.5 overall rating
4.7 overall rating

Simple, 100% online

Step 1. Get to know you

Tell us about the business loan you want, then details about yourself and your finances.
Step 2. Get your loan terms

Your small business loan terms will detail your interest rate, borrowing limit and repayments.
Step 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
$0
Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000 and over ³
  • No monthly account keeping fees

Find out more about our rates and fees
Quick business loan estimate

Use our free 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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100% ONLINE – 24/7

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

We’ll give you a fair interest rate on your loan based on your credit assessment.
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NO EARLY REPAYMENT PENALTIES

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 live chat and one of our more than 30 specialists will be there to lend a hand.
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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 25.69% p.a. (Comparison Rate 7.79% p.a. to 26.65% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

2. Comparison rate of 7.79% p.a.to 26.65% p.a.is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.79% p.a.) to 25.69%(Comparison Rate 26.65% p.a.) on 36 to 60 month terms, with no early repayment penalties.