Simple, low rate business finance

Whether your business needs just a little boost or a more substantial loan to help it grow, RateSetter can help.

Swift Working Capital

Fast, fair working capital finance

  • Borrow up to $50,000 for 12 months
  • Unsecured, low rate working capital
  • Approval typically within 24 hours
Calculate and apply now

Or learn more about Swift

Business Finance

Flexible, low rate growth finance

  • Borrow up to $150,000
  • Terms from 6 months to 5 years
  • Unsecured or secured finance
Apply now



Why RateSetter?

Whether your business is small, medium or large, we take time to understand your business so we can provide you with a tailored finance solution. 

  • Low interest rates

    We reward established, growing businesses with low rates

  • Flexible business loans

    Secured and unsecured business loans up to $150,000, from 6 months to 5 years

  • Simply smarter

    Affordable monthly payments with no early repayment penalties or break costs

  • Fast

    Apply online in minutes. Get a decision and your funds in as little as 1 business day

Questions? Email or speak to a RateSetter business finance expert

1300 768 710

9:00am to 5:30pm, Monday to Friday

Three steps to flexible, low rate business finance

  1. 1

    Apply online

    Apply for low rate business finance in minutes online, not hours in a branch

    10 minutes
  2. 2

    Get a decision

    We may be in touch to discuss your requirements in more detail. Some approvals happen within minutes, but it can take up to one business day to make a decision after we've received everything we need

    From 30 minutes
  3. 3

    Receive your funds

    Funds will be transferred to your bank account on the business day after your loan is funded. Same day transfer may be available in some cases

    Next business day
You're eligible to apply if you:
  • Can demonstrate annual turnover of $250,000+
  • Have a good credit history
  • Have been trading for at least 2 years

Helping Australians do better, together


Value of loans funded

10,000+ delighted borrowers

A trusted business partner

RateSetter loans are rated 4.8 / 5 by actual borrowers on independent review website

"I had owned my own business for one year and needed a loan to purchase more stock. I had cash flow but not enough capital for a worthwhile purchase. Within 24 hrs I had my required funds at what I think was a good rate."

James Brisbane

"A smooth and rewarding experience. I do not run a business with consistent cash-flow. The team at RateSetter were very friendly and extremely understanding of my particular situation."

Jayson Melbourne

"I applied on the weekend, attached a bank statement and my personal loan was approved within 4 business hours. I was constantly informed by email and SMS at what stage my loan was at."

Gordana Central Coast
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Ready to apply for low rate business finance?

Apply now
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