Products & services
Business finance, explained product by product.
Lyft Money is a finance broker, not a lender. We compare options from 18+ lenders and explain the rate, fees and repayments before anything is submitted. Start with the product that matches what the money needs to do.
Business lending
Unsecured business loan
An unsecured business loan is a lump sum repaid over an agreed term without property or equipment pledged as security. Lenders on our panel assess trading history, turnover and cash flow instead, and a director’s guarantee usually applies.
$5k – $500k · 3–36 months
Low-doc business loan
A low-doc business loan is finance assessed on bank statements, ABN history and credit record rather than full financial statements and tax returns. Low-doc does not mean no documents or automatic approval.
$5k – $250k · 3–36 months
Secured business loan
A secured business loan is a lump-sum business loan backed by an asset you pledge — usually residential or commercial property, but sometimes equipment or a general security agreement over the business. Security lowers the lender’s risk, so rates are lower and terms longer than unsecured lending.
$50k – $5m · 12–180 months
Business acquisition finance
Business acquisition finance is lending used to purchase an existing business, buy out a partner, or acquire a competitor, assessed primarily on the target’s historical earnings rather than the buyer’s trading history. Most structures require a deposit of 30–50% plus security.
$100k – $10m · 24–120 months
Business debt consolidation loan
A business debt consolidation loan is a single facility used to pay out several existing business debts — short-term loans, cash advances, equipment arrears or ATO liabilities — leaving one repayment on one schedule. It can reduce weekly outgoings, but extending the term usually increases total interest paid.
$20k – $1m · 12–60 months
Franchise finance
Franchise finance is lending used to buy a new or existing franchise, covering the franchise fee, fit-out, equipment and initial working capital. Because major franchise systems have documented performance history, many lenders apply accredited franchise lending policies with higher loan-to-cost ratios than ordinary business acquisitions.
$50k – $3m · 24–84 months
Working capital
Business line of credit
A business line of credit is an approved limit you can draw on, repay and redraw as needed, paying interest only on the amount used. It suits businesses whose funding needs rise and fall through the year.
$10k – $500k · 6–24 months
Invoice finance
Invoice finance is funding advanced against eligible unpaid business invoices, typically 70–90% of the invoice value upfront with the balance (less fees) paid when your customer pays. It uses your receivables as security rather than property.
$20k – $5m · 1–12 months
Business overdraft
A business overdraft is an approved limit attached to your business transaction account that lets the balance go below zero up to that limit, with interest charged only on the negative balance. It is designed to absorb short timing gaps, not to fund long-term purchases.
$10k – $500k · 12–12 months
Insurance premium funding
Insurance premium funding is a short-term loan that pays your annual business insurance premium in full to the insurer, which you then repay in monthly instalments across the policy period. The policy itself acts as security, so no property or director’s guarantee is usually required.
$5k – $1m · 8–12 months
Trade finance
Trade finance is a revolving facility that pays your suppliers for goods at the time of order and gives your business 60–180 days to repay, bridging the gap between paying for stock and being paid for it. It covers both imported and domestic purchases.
$50k – $5m · 2–6 months
Merchant cash advance
A merchant cash advance is a lump sum advanced against your future card sales, repaid by taking an agreed percentage of each day’s card takings until a fixed total is repaid. It is priced with a factor rate rather than an interest rate, and it is one of the most expensive forms of business funding.
$5k – $300k · 3–18 months
Equipment & asset finance
Chattel mortgage
A chattel mortgage is equipment or vehicle finance where your business owns the asset from purchase and the lender holds a mortgage over it as security until the loan is repaid. It is the most common structure for business vehicles, machinery and plant in Australia.
$10k – $2m · 12–84 months
Finance lease
A finance lease is equipment finance where the lender owns the asset and leases it to your business for a fixed term, with a residual value at the end that you can pay out, refinance or return against. Lease payments are usually fully deductible.
$10k – $1m · 12–60 months
Equipment loan
An equipment loan is a secured business loan used to buy machinery, vehicles or technology, with the equipment itself as security and fixed repayments over 1 to 7 years. It covers new and used assets from dealers or private sellers.
$5k – $5m · 12–84 months
Operating lease
An operating lease is a rental agreement where the financier owns the asset, carries the residual value risk and leases it to your business for a fixed monthly payment over an agreed term. At the end you simply hand the asset back, with no residual to pay and no resale to manage.
$10k – $2m · 12–60 months
Hire purchase
Hire purchase is an asset finance structure where the financier buys the asset and hires it to your business for a fixed term, with ownership transferring automatically once the final instalment — including any balloon — is paid. It sits between a lease and a chattel mortgage, and is used less often in Australia since GST reforms favoured the chattel mortgage.
$10k – $2m · 12–84 months
Sale and leaseback
Sale and leaseback is an arrangement where you sell equipment your business already owns to a financier for its market value and immediately lease or finance it back, releasing cash while keeping the asset in daily use. It converts equity locked in plant into working capital.
$20k – $2m · 12–60 months
Novated lease
A novated lease is a three-way agreement between an employee, their employer and a financier, where the employer deducts the lease payments and running costs from the employee’s pre-tax salary. The employee chooses and uses the car; the obligation moves with them if they change jobs.
$15k – $150k · 12–60 months
Asset finance
Asset finance is any lending used to acquire a physical business asset where that asset provides the security, covering chattel mortgages, finance leases, operating leases, hire purchase and sale and leaseback. Because the asset backs the debt, pricing sits well below unsecured business lending.
$5k – $5m · 12–84 months
Machinery finance
Machinery finance is secured lending used to buy earthmoving plant, construction equipment and production machinery, with the machine itself as security over terms of one to seven years. Lenders assess the machine’s age, hours and resale demand as closely as they assess the business.
$20k – $3m · 12–84 months
Medical equipment finance
Medical equipment finance is asset-backed lending for clinical and diagnostic equipment such as dental chairs, imaging systems, ultrasound units and aesthetic lasers. Lenders treat healthcare practices as low-risk borrowers, so pricing and documentation requirements are often more favourable than for other industries.
$10k – $2m · 12–84 months
Fit-out finance
Fit-out finance is lending used to build or refurbish a commercial premises — shopfronts, cafés, clinics, gyms, offices and warehouses — covering joinery, flooring, lighting, signage, plumbing and the equipment installed. Because much of a fit-out cannot be repossessed, lenders assess it more like unsecured lending than standard equipment finance.
$20k – $2m · 12–60 months
Technology finance
Technology finance is lending used to acquire IT hardware, software licences, cloud implementations, security systems and solar installations, structured so the cost is spread across the years the technology is actually used. Terms are shorter than other asset finance because the equipment dates quickly.
$10k – $1m · 12–60 months
Agricultural equipment finance
Agricultural equipment finance is asset-backed lending for tractors, headers, irrigation, livestock handling and other farm plant, commonly structured with annual or seasonal repayments timed to harvest and livestock sales. Terms run up to seven years and lenders understand that farm income arrives in lumps.
$20k – $3m · 12–84 months
Vehicle finance
Business vehicle finance
Business vehicle finance is secured lending used to buy cars, utes and vans for business use, most commonly structured as a chattel mortgage over three to seven years with an optional balloon. Because the vehicle is used to produce income, interest and depreciation are generally deductible and GST on the purchase price is usually claimable.
$10k – $250k · 12–84 months
Fleet finance
Fleet finance is an arrangement that funds multiple business vehicles under a single approved limit, letting a business add vehicles as needed without a new application each time. It suits operators running five or more vehicles on a rolling replacement cycle.
$100k – $5m · 24–60 months
Used vehicle finance
Used vehicle finance is lending secured against a second-hand car, ute or van, available for dealer, private-sale and auction purchases. Rates sit slightly above new-vehicle finance and the maximum term is shortened by the vehicle’s age, since most lenders cap age at the end of the term rather than at purchase.
$5k – $250k · 12–84 months
Trucks & trailers
Truck finance
Truck finance is secured lending used to buy prime movers, rigid trucks, tippers and specialised vocational vehicles, usually structured as a chattel mortgage over three to seven years with an optional balloon. Trucks hold value well, so lenders on our panel will fund considerably older units than they would cars.
$20k – $2m · 12–84 months
Trailer finance
Trailer finance is secured lending used to buy semi-trailers, tipper trailers, refrigerated units, low loaders, dog trailers and plant trailers, secured by the trailer itself over terms up to seven years. Trailers depreciate slowly and hold value well, which supports longer terms than most equipment.
$15k – $1m · 12–84 months
Property & commercial
Commercial property loan
A commercial property loan is finance secured by a commercial, industrial or retail property, used to buy premises for your business, invest, or refinance an existing loan. Terms run to 25–30 years with lower rates than unsecured lending.
$250k – $20m · 12–360 months
SMSF commercial property loan
An SMSF commercial property loan is a limited recourse borrowing arrangement that lets a self-managed super fund buy commercial property, with the lender’s recourse limited to that property alone. Business owners commonly use it to buy their own premises inside super and lease it back to the business at market rent.
$200k – $5m · 60–360 months
Development finance
Development finance is short-term lending used to fund a property construction or subdivision project, drawn progressively against building milestones and repaid when the completed stock is sold or refinanced. It is assessed on total development cost, gross realisation value and presales rather than on ordinary servicing.
$500k – $50m · 6–36 months