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Business Loans Built for Real Growth

Flexible business finance solutions to support expansion, cash flow and long-term stability.

Speak to a Business Finance Specialist

Introduction – Business Finance Solutions

Running a business means managing cash flow, timing opportunities and making decisions quickly — often before traditional lenders are ready to move. The right business loan isn’t just about accessing funds; it’s about structuring finance that supports how your business operates.

At Grange Finance, we help business owners secure tailored business finance solutions that align with revenue cycles, growth plans and risk tolerance. Whether you’re purchasing a business, refinancing existing debt or looking to improve working capital, we focus on finance structures that give you control — not constraints.

Types of Business Loans

There’s no single “best” business loan — the right option depends on how your business earns, spends and grows.

  • Term Loans – Structured repayments over a fixed period for stability and planning
  • Business Overdrafts – Flexible access to funds for short-term cash flow gaps
  • Unsecured Business Loans – Faster approvals without property security
  • Secured Business Loans – Lower rates using property or assets as security
  • Equipment Finance – Funding for vehicles, machinery or tools without upfront capital
  • Commercial Property Loans – Finance for buying or refinancing business premises

We help you choose the loan type that fits your business model — not just what’s easiest to approve.

Business Purchase & Acquisition Finance

Buying a business is more complex than buying property. Lenders assess not just your income, but the financial health, cash flow and sustainability of the business itself. This is where many deals fall apart if finance isn’t structured correctly.

At Grange Finance, we assist with business purchase and acquisition finance by analysing the target business, understanding lender appetite, and structuring loans that reflect real-world trading conditions. Whether you’re acquiring an existing business, buying into a franchise, or expanding through acquisition, we guide you through deposit requirements, lender conditions and approval timelines — so finance supports the deal instead of slowing it down.

Refinancing & Increasing Existing Facilities

Many businesses outgrow their original loan structures. What worked when you started may now be limiting cash flow or restricting growth. Refinancing business loans can help reduce interest costs, consolidate multiple facilities, or unlock additional funding for expansion. Increasing existing limits can also improve working capital without adding unnecessary complexity. We review your current facilities, lender terms and business performance to identify smarter structures — often improving flexibility and reducing financial pressure at the same time.

Cash Flow & Working Capital Solutions

Cash flow is the lifeblood of every business. We help structure finance that supports day-to-day operations and seasonal fluctuations.

  • Working capital facilities to cover operating expenses
  • Overdraft solutions for short-term cash flow gaps
  • Flexible repayment structures aligned with revenue cycles
  • Funding to support growth without disrupting operations

The goal isn’t just access to money — it’s stability and control.

Why Choose Us for Business Loans

✔ Business-Focused Lending Expertise

We understand how businesses operate — not just how lenders assess applications.

✔ Access to 50+ Business Lenders

From major banks to specialist commercial lenders, we source the right fit.

✔ Tailored Finance Strategies

Every business is different — we structure loans around your goals, not templates.

✔ Ongoing Support

As your business evolves, we review and adjust your finance to keep it aligned.

FAQs

  • 1. How hard is it to get a business loan approved?

    Approval depends on cash flow, financial history and loan structure — strong preparation makes a big difference.

  • 2. Can I get a business loan without property security?

    Yes — unsecured business loans are available, often with faster approval times.

  • 3. Can I refinance my existing business loan?

    Absolutely — refinancing can reduce costs, improve flexibility or unlock growth capital.

  • 4. How long does business loan approval take?

    It varies by lender and loan type — unsecured loans are often faster than secured facilities.

  • 5. Do I need financial statements to apply?

    In most cases, yes — lenders typically assess recent financials, BAS and cash flow.