Q3 2026 · Published 8 September 2026
Small Business Lending Index — Q3 2026
A quarterly view of indicative business lending rates, approval speeds and funding purposes observed across the Lyft Money lender panel. Free to cite with attribution.
9.9% – 29.5%
Unsecured loan rate range
Low end down 0.6 pts vs Q2
8.9% p.a.
Chattel mortgage typical rate
Flat vs Q2
2 days
Median time to funding (unsecured)
Unchanged
| Product | Low | Typical | High |
|---|---|---|---|
| Unsecured business loan | 9.9% | 15.5% | 29.5% |
| Line of credit | 11.5% | 16.5% | 24.0% |
| Chattel mortgage | 6.9% | 8.9% | 14.5% |
| Equipment loan | 6.9% | 9.5% | 16.0% |
| Invoice finance | 8.0% | 12.0% | 18.0% |
Methodology
Rates are indicative annualised ranges observed on offers presented to Lyft Money clients during the period, across a panel of 18+ lenders. They are not an offer and individual pricing depends on the business, lender, amount, term and security.
How to cite
Lyft Money, Small Business Lending Index Q3 2026, lyftmoney.com.au/data/small-business-lending-index-q3-2026
CC BY 4.0 — attribution to Lyft Money required