About us
About Loans Now
Our name asks a question: now, or later? We help business owners answer it honestly — and arrange the finance when the answer is now.
Who we help
Loans Now works with Australian business owners facing a timing decision. Should we replace the machine this month or nurse it through another season? Hire before the rush or after it? Take the big contract, buy ahead of the supplier's price rise, fit out the new site while the lease is on offer, or wait until the numbers are stronger?
These are the questions that sit on owners' desks for months. We built this site to help settle them — with plain-English guides on now-or-later decisions, EOFY and tax timing, seasonal timing and what delay really costs, plus a cost-of-waiting calculator that puts both sides of the decision in dollars.
Why timing?
Most business finance websites talk about speed or approval. We think the more useful question comes first: is now actually the right time? Borrowing has a visible cost. Waiting has an invisible one — lost profit, rising quotes, tired equipment, work turned away. Owners who price both tend to make better decisions, whichever way they go.
That's why we'll sometimes tell you to wait. If a few months of evidence-gathering or clean-up would put you in a stronger position, we'd rather say so than arrange a facility that doesn't serve you.
What we arrange when now is right
- Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property.
- Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Past credit issues and ATO debt considered case by case.
- Business purposes only.
We never publish interest rates. Every business loan is priced on its own circumstances — security, purpose, term, trading and credit history — and the aim is always the sharpest price available for that situation. We talk in total dollar cost, because that's the figure you can fairly compare with the cost of waiting.
Our promises
Enquiring won't touch your credit file
Asking whether now is the right time costs you nothing on your credit report. A credit check only comes up if you decide to go ahead.
No spray and pray
We don't auction your enquiry to a crowd of lenders. One team looks at your numbers and matches you to a lender that suits the job.
A real person does the thinking
A lending specialist reads your answers and calls you. Accurate answers on the form mean the first option we put in front of you is the right one.
Put simply: asking us costs you nothing on your credit file, your details stay with one team rather than being fired off to every lender we know, and a real person reads your enquiry and calls you. In return, we ask one thing — fill in the form accurately, so we can match you properly the first time.
How we work
You tell us what you're weighing up in a 60-second enquiry. A lending specialist reads it, calls you, and works through the numbers: the cost of waiting, the likely cost of finance, and whether your timeline is realistic. If now wins, we match you to a lender suited to the job and structure the facility around your dates. See how it works for the detail.
Loans Now is operated by the operators of Loans Now. Questions? Call 1300 752 188 or start an enquiry.
Decided now is the time? See if you qualify.
A 60-second enquiry, no credit check to ask, and one lending specialist who works on your numbers rather than passing them around. If waiting looks smarter, we will say so.
Enquiring won't touch your credit file
No spray and pray
A real person does the thinking