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Our loans.

Seven loan types for almost every business need, from unsecured loans to development finance. Where a loan is needed, we introduce you to our partner broker.

Unsecured business loans

Get a capital injection of up to $500k, based on your current monthly turnover. Use the money in a variety of ways, from buying new equipment to paying off ATO debt.

  • Up to $500k, based on your monthly turnover
  • No property security needed
  • Use it for almost any business purpose, including ATO debt
Loan size
$5k to $500k
Term
3 months to 3 years
Typical rate
12% to 22% a year

Property-backed business loans

Borrow against residential or commercial property, without the usual lending assessments and long waiting lists. Our debtor finance solutions cover everything from new equipment to invoice management.

  • Borrow from $100k up to millions
  • No repayments for the first 12 months of the loan term
  • No financials needed for approval
  • Funds can be used for anything more than 50% business related
  • Residential or commercial property accepted as security
Loan size
$100k to $1m
Term
1 year to 5 years
Typical rate
8% to 14% a year

Trade and debtor finance

Cash flow is a concern for every business, big or small. Collect part of your invoice value today rather than waiting until the end of the month, with trade finance features and funding based on future cash flow from larger contracts.

  • Get paid up to 90% of your invoice value
  • Access to a range of non-bank and private lenders
  • Easy application
  • No lock-in contract options available
  • Most options need no real estate security
Loan size
$20k to $5m
Term
1 month to 1 year
Typical rate
9% to 16% a year

Commercial property loans

We help you buy or refinance commercial property. Whether it is a small office, a factory unit or a large commercial building, we can find the right non-bank solution.

  • Loans from $200k to $20m, with larger amounts on request
  • Terms from 1 to 25 years, interest only up to 7 years
  • Lo doc and full doc options
  • LVRs up to 75% and no annual reviews
Loan size
$200k to $2m
Term
1 year to 25 years
Typical rate
6.5% to 10% a year
Note
Terms up to 25 years

Equipment finance

Every industry needs equipment. We help you cover the cost of the equipment you need, from simple office supplies to large machinery and vehicles.

  • Equipment finance up to $2m
  • Funding for all kinds of equipment
  • Direct access to multiple lenders
Loan size
$10k to $2m
Term
1 year to 7 years
Typical rate
7% to 13% a year

Development finance

We have direct access to 2nd tier and private lenders who specialise in development and construction finance. Whether you are building 1 or 50 townhouses, we can help you get the finance you need.

  • Loans from $200k to $250m
  • Capitalised or monthly interest payments
  • Up to 65% of land value, 70% of GRV or 80% of total development costs
  • No pre-sale requirements available
  • Land banking and residual stock facilities
Loan size
$200k to $25m
Term
6 months to 3 years
Typical rate
8% to 14% a year
Note
Built around your project

Private lending

We can introduce you to private lenders through our partner broker. If you do not want to deal with the major banks, start here. NOIZE is not a lender. Any rate is set by the lender, not by NOIZE.

  • First mortgage loans from $100k to $18m
  • Terms from 6 months to 7 years
  • Commercial, residential and industrial security
  • City and metro areas, business use only
Loan size
$100k to $18m
Term
6 months to 7 years

Every kind of loan we do.

Not sure what yours is called? Pick the closest one.

Need something else?

We can build a custom loan for almost any need. Tell us what you are looking for and we will put something together for you.

Find out how much you can borrow.

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

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.

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.

Pick a time

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Or call 1300 496 689.

Talk to our partner brokerBook a Strategy Chat