SME finance
Smart business finance to power Melbourne growth.
From cash flow smoothing to equipment upgrades and expansion capital, Aussie Dream Loans structures facilities that keep your business agile. We work with banks, non-bank lenders, and private funders to create the right blend of speed, pricing, and flexibility.
Working capital
Manage seasonal cash flow, cover BAS, or fund payroll with revolving lines and unsecured options.
Equipment & fit-out
Purchase vehicles, machinery, or technology with tailored leases, chattel mortgages, or asset finance facilities.
Finance that supports every stage of business growth
We analyse cash flow, forecast requirements, and negotiate lender terms so you can stay focused on operations.
Cash flow diagnostics
Map revenue cycles, debtor days, and expense timing to determine the most effective loan structure.
Lender comparison
Access bank, fintech, and private lending, comparing cost, covenants, and speed to approval.
Implementation support
We manage documentation, liaise with accountants or advisors, and ensure settlement aligns with your project milestones.
Business loan process in four steps
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Step 1
Discovery & financial review
Assess business metrics, goals, and security to outline funding pathways.
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Step 2
Lender selection
Compare multiple offers, highlighting pricing, speed, and covenants.
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Step 3
Application & negotiation
Prepare the credit submission, respond to lender queries, and negotiate terms.
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Step 4
Settlement & review
Coordinate documentation and provide ongoing check-ins to ensure the facility performs.
92%
Approval success rate
Client story
“Aussie Dream Loans structured an equipment package with seasonal repayments that aligned perfectly with our cash cycle.”
Olivia – Melbourne logistics firm
Business loan FAQs
Answers to common funding questions from Melbourne business owners.
Can I get an unsecured business loan? +
Yes. We work with lenders offering unsecured facilities up to $500k depending on revenue and profitability. Rates and terms depend on trading history and industry risk.
What documentation is required? +
Typically financial statements, BAS, bank statements, and director IDs. We provide a tailored checklist and secure upload link.
Do you help start-ups? +
We can assist early-stage businesses with secured facilities, guarantor-supported lending, or alternative finance. We’ll make sure you understand the requirements before applying.
Ready to scale your Melbourne business?
Tell us about your funding needs and we’ll present lender options, pricing, and next steps within one business day.
Phone
0410 974 393Service area
Melbourne & Greater Victoria
SMEs, tradies, professional services, logistics, hospitality