We had approached our bank multiple times and each time were disappointed that they were not able to assist us. Loansmart made it happen.”

- RP
We Make It Easy
Rates From 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Small Business Loans

Loansmart provides small business loans without the stress of a drawn-out process.

  • Borrow up to $250,000
  • Interest rates from 8.95%*
  • Spread your repayments over 6 months to 10* years
  • More options tailored to you
  • We say yes more often!

Fast small business loans

For over ten years Loansmart has been helping small business owners borrow the money they need to:

  1. Pay an urgent tax bill
  2. Purchase stock
  3. Upgrade equipment and work tools
  4. Jump on a business opportunity

We offer fast small business loans of up to $250,000, with several options available from financing a business asset through to providing a much needed cash injection.

Terms include principal and interest term loans, interest only loans and cash flow financing. Best of all – we move fast!

Applied elsewhere but been declined?

We may be able to help. There isn’t a lending situation we haven’t encountered before and we can find solutions for most. Loansmart can provide more options than other lenders. With more options, you have more chance of getting your loan approved.

Eligibility and Funding

This can be completed in as little as 24 – 48 hours*. We pride ourselves on finding the right solution for you and the funds can be used for any purpose.

We can look at any situation but our standard terms are:

  1. You must have been in business for at least nine months and have a monthly turnover of at least $10,000 per month.
  2. We don’t always need financial accounts but will require your last six months of bank statements. We can send you a link so these can be retrieved electronically.
*Subject to responsible lending checks.

Smarter Loans >>> Faster

More options tailored to you

Once we have a good understanding of your personal situation and goals, we start to explore options. We look outside the box and go the extra mile to provide smart solutions, which is why we’re called Loansmart!

To provide you with the best lending experience we


Move fast

Most loans can be approved and paid the same day*, so long as we have everything we need from you before 3pm. *Subject to responsible lending checks.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need it Photo ID and access to your bank statements (we make that super easy and secure too!).

Make it enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make it affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean. Most of our team have personal loans too!

Get a fairer deal, faster from a professional team that cares

Get In Touch!

Don’t pay more than you need to and get more options upfront, so you can decide what’s best for you. Call 0800 255 155 for a free 10 minute consultation. Our clients love what we do, and we love helping them. Talk to a team that cares and works hard to get your loan approved faster, and provide you with more options too. Get all your options in one simple call. We don’t just provide loans, but smarter lending solutions.

Why Loansmart


We Say Yes More Often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your personal loan approved.

More Options Tailored For You

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest Rates From 8.95%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

From 6 months to 10 years; up to 5 years for unsecured personal loans and 10 years for secured personal loans.

Faster Approval Process

Provide us with photo ID and access to your bank statements online, and your personal loan application could be approved in just 1 - 2 hours. *Subject to responsible lending checks.

Same Day Payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day*. Depending on your bank, you’ll receive cash that day or the next morning.

100% Easy, Online Process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow Up To $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better loan options for you. Get Loansmart!