Business finance for ABN holdersAustralia-wide · ABN holders · business purposes only
Business finance, without the runaround.
Straightforward? Apply direct with our partners in a few minutes. A bit outside the box? Send us an email and a real person will look at your situation and help point you to the right partner or option.
For businesses with an ABN, for business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.
What does the business need?
Four kinds of business finance, one application. Pick the closest match.
Business loans
Unsecured and secured loans to grow, buy stock, hire, fit out or take on a bigger job.
See options →Cash flow loans & overdrafts
Working capital, lines of credit and overdrafts for when bills land before the money does.
See options →Equipment finance
Machinery, tools, plant, tech and fit-outs – chattel mortgage, hire purchase, lease or rent-to-buy.
See options →Business vehicle finance
Utes, vans, cars and trucks used mainly for the business, new or used.
See options →A trade waiting on builders to pay?
Invoice finance through our partner FundTap can bring forward money you're already owed on an unpaid invoice.
Cash flow for trades →Straightforward? Apply direct. A bit unusual? Talk to us first.
If your situation is fairly standard
Trading a while, steady income, clear purpose? Go straight to our partners. LoanOptions.ai handles business, equipment and vehicle loans, and FundTap handles cash flow and invoice finance for trades. It's quick and you'll hear back from them directly.
If it's a little outside the box
Plenty of good businesses don't fit a lender's tick-boxes. If any of these sound like you, flick us an email before you apply:
- A new ABN, or you've only been trading a few months
- A patchy or broken trading history
- A recent tax debt or a payment arrangement with the ATO
- Seasonal or lumpy income
- A non-standard asset you want to buy or borrow against
- You've been declined somewhere else
- A mix of personal and business needs you're trying to untangle
A real person reads every email. We'll look at your situation and point you to the right partner or option. We can't promise an approval or a rate, as that's always up to the lender, but we'll try to find a path.
How it works
Choose what you need
Business loan, cash flow, equipment or a business vehicle. Use the calculators to get a feel for repayments.Apply once
The application is run by our lending partner LoanOptions.ai, which compares options from its lender panel.Compare and decide
LoanOptions.ai or the lender talks you through the options. You decide whether to go ahead – no obligation.
Free to use. We may receive a referral fee from LoanOptions.ai – here's exactly how.
Why start with Circlestone
- Built for sole traders, tradies and small businesses in every state and territory
- One application instead of filling in forms lender by lender
- Plain-English guides and calculators before you apply
- Business finance only – no personal loans, no home loans