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StrategyDirection before execution.CreativeBuilding brands people notice.PrintTaking brands from screen to the real world.DigitalDigital infrastructure built for business.MarketingTurning attention into growth.SalesTurning opportunity into revenue.TalentThe team you need, when you need it.ITKeeping business connected.LegalProtecting what businesses build.BooksClear books. Better business visibility.AccountingUnderstanding the numbers behind the business.FinanceFinance for your next move.

One partner behind every department.

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Business and property finance, through our dedicated broker.

Finance for your next move. Business loans from lenders who aren’t banks.

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We offer five kinds of business loan.Open one to see each loan.

We offer five kinds
of business loan.

Open one to see each loan.

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Find out how much you can borrow.

Talk it through with us. We will contact you to arrange a time.

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What do you need
the money for?

Tap the one that sounds like you. We will show you the loans that fit.

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Commercial property loans

Buy or refinance commercial property.

Typical rate6.5% to 10%
Apply

Asset-based lending

Borrow against property, stock or equipment.

Typical rate8% to 14%
Apply

Private lending

Private lenders, introduced through our partner broker.

Apply
See all 14 loans

Work out your repayments.

Move the sliders to see what you might pay each month.

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  • Non-bank lenders only
  • No credit check until you say yes

Your monthly repayment

$
3 years
%
Estimated monthly repayment$7,950
Talk to our partner broker

Estimate only. Not a quote or approval of credit.

We pay for the things that keep you running.

Fit-outs, fleets, stock and payroll.

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Loans our broker helps businesses get every week.

These are examples. Amounts and times are not real client results.

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  • Business$150k unsecured loanHospitality · VIC
  • Equipment$280k excavatorConstruction · QLD
  • Cash flow$400k invoice financeLogistics · NSW
  • Business$90k ATO debt refinanceTrades · WA
  • Property$2.4m commercial propertyRetail · SA
  • Cash flow$60k working capitalEcommerce · NSW
  • Equipment$75k work vehiclesTransport · VIC
  • Equipment$320k sale and leasebackManufacturing · NSW
  • Cash flow$500k trade financeWholesale · VIC
  • Property$6m development financeProperty · QLD
  • Property$1.2m private loanProfessional services · NSW
  • Equipment$110k used machineryAgriculture · NSW
  • Business$200k line of creditHealthcare · VIC
  • Cash flow$140k stock financeRetail · QLD

We know which lenders are most likely to say yes.

We know what each lender looks for. Your application goes to the right one first, so you are not left waiting on a no.

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Something just happened?
There is a loan for that.

Find the one that sounds like you.

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Opening a second site.

You need asset-based lending

Rate8%+
Apply

A big order just landed.

You need trade finance

Rate9%+
Apply

Your customer pays in 90 days.

You need invoice discounting

Rate9%+
Apply

The truck just died.

You need new equipment purchase

Rate7%+
Apply

Buying the building you rent.

You need commercial property loans

Rate6.5%+
Apply

Selling a container load.

You need supply chain finance

Rate9%+
Apply

Breaking ground on townhouses.

You need development finance

Rate8%+
Apply

The bank said no.

You need non-bank finance

Rate12%+
Apply

Cash is tied up in machines.

You need sale and leaseback

Rate7%+
Apply

We look at your whole business, not just your bank account.

A bank works through a checklist. We tell the lender the story behind the numbers, so they see the full picture.

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  • 01The contracts you have won
  • 02Why the numbers look the way they do
  • 03Where the business is heading

How funding support works with you.

Four steps from the first call to a lender decision.

  1. Talk to our partner broker

    Call us or fill in one short form. We will do the rest with you.

    5 minutes

  2. We look at your application

    Our team reviews it and comes back to you with a response.

  3. We prepare the application

    We check what the lender needs and tell you what happens next.

  4. The lender decides

    If the lender approves the loan, we help with the paperwork and the lender releases the funds.

More help from the same group.

Every NOIZE department works from the same brief, so when you need more help the next team already knows your business.

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Questions people ask us.

Still have a question? Have a chat and we will answer it.

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Can you get me a loan if I have ATO debt?

Yes. We have access to loans that can help you even if you have ATO debt.

Do I need my latest tax returns or financials?

No. Many of our loans do not need your latest tax returns. We only need to see your business bank statements.

What if I have issues on my credit file?

We may still be able to help, depending on the issues. Call us and talk it through with one of our consultants.

Will talking to several lenders mean several credit checks?

No. One simple enquiry form lets us work with many lenders to find the right loan. No lender runs a credit check until you approve the loan we suggest.

How long does a decision take?

The lender sets the timing. We do not promise a funding date.

Do I have to use my house as security?

No. Some of the loans we can get you are not secured by your home.

Can I pay the loan back early?

Yes. Call or email us and we will get your payout figure for you.

What if I cannot make a payment?

Contact us before the payment is due. We will work out a solution with the lender for you.

Important information about NOIZE Finance

NOIZE provides administrative support and business strategy. Where work is outside our skillset, or the law requires it, we make sure an appropriately qualified professional is involved.

What we may be able to assist with

Depending on what is agreed with you, NOIZE may be able to assist with preparation and business strategy for funding, such as working out the use of funds, preparing forecasts and a funding pack, organising financial records and talking through the options. Assistance may range from an introduction to our dedicated broker, to talking it through, to preparing a full funding pack. Any assistance is administrative and secretarial in nature.

Where a qualified professional may be required

Credit assistance, loan recommendations and any regulated financial advice would need to be provided by our dedicated broker or another appropriately qualified, licensed professional, under their own licence and their own terms. Any offer of securities to investors is handled by an appropriately qualified, licensed professional.

How work may be handled

There is no fixed process. How any piece of work may be handled, and who may carry it out, is discussed with you at the strategy or proposal stage and is subject to written agreement before work starts.

No outcome is promised

NOIZE is not a lender and does not arrange loans itself. NOIZE does not guarantee approval, the amount offered, interest rates, fees, terms or timing. All lending decisions are made by the lender.

Responsibility for advice

NOIZE takes on no liability for regulated advice. Where an appropriately qualified professional provides any advice or regulated work, that professional is responsible for it under their own engagement and terms. NOIZE does not hold an Australian credit licence or an Australian financial services licence.

Your decisions remain yours

You remain responsible for your business decisions and for checking that information you give us is complete and accurate. Read any document carefully, and get independent advice, before you sign or rely on it.

This is general information only. It is not legal, tax or financial advice, and it does not take your circumstances into account. Speak to a qualified adviser before acting.

Full details are set out in the NOIZE Finance terms. NOIZE Agency Pty Ltd as trustee for the NOIZE Agency Trust · ABN 16 692 550 998.

Read our latest guides.

Plain-English articles on the questions businesses ask us most.

See all articles
A wall of time-sensitive opportunities needing funding, beside a white Funding matched card: $400k growth capital, approved.Guides · 6 min readCapital for the next move: matching funding to a clear use of fundsThe opportunity is ready before the cash is. Why use of funds decides which funding fits, and how loans, working capital, growth capital and private lending.A wall of money owed and stock on hand, beside a white Available to grow card: $253,214, up from $3,214.Guides · 6 min readGrowth tied up in stock and receivables: working capital explainedA profitable business can still run out of cash. How stock, debtors and payment terms trap growth, and the working capital options that release it.A wall of declined bank applications, beside a white Private lending card: Faster decisions, $250k funded.How it works · 6 min readThe bank said not yet: options for growing businessesThe bank said no, or not yet. Why banks decline good businesses, what private and non-bank lending offer and when they make sense.A wall of incomplete investor documents, beside a white Investor ready card: data room open.How it works · 6 min readReady before the opportunity: preparing for growth capitalThe best time to prepare for funding is before you need it. What investors and lenders look for, and how investor readiness helps you move fast when the.A wall of funds drawn with plans still to be confirmed, beside a white Use of funds card: $480k sharpened with Strategy.Working together · 6 min readFunding a plan, not a hope: Finance and StrategyCapital amplifies a good plan and accelerates a bad one. How Finance tests a plan before it is funded, and when Strategy sharpens the use of funds.A wall of pending deal documents and tight deadlines, beside a white Settlement card signed by buyer and lender.Working together · 6 min readFunding the deal and signing it properlyBuying a business, a property or a competitor needs money and paperwork at the same time. How Finance, Legal and Accounting run in parallel to settle on time.
Your first step · NOIZE Strategy

Your first strategy conversation is on us.

Every NOIZE engagement starts with strategy. Forty-five minutes on where the business is, where NOIZE Finance fits, and what could come next. No pitch, no obligation.

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