RateSetter finance helps Australian businesses grow

Whether your business needs just a little boost or a more substantial loan to help it grow, RateSetter can help. We offer simple, flexible secured and unsecured business loans for investment, purchases or working capital, for terms from 6 months to 5 years

Why RateSetter?

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

Ready to grow your business?

Apply online now

Four steps to flexible, low rate business finance


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


We'll be in touch to discuss your requirements in more detail


We'll put together a solution to suit your requirements


You can have funds in your account the next business day after approval

Helping Australians do better, together


Value of loans funded

5,000+ delighted borrowers

A trusted business partner

RateSetter loans are rated 4.9 / 5 by actual borrowers on independent review website ProductReview.com.au.

"Very easy and straightforward. Online application is quick, easy to understand and does most of the work for you. Thank you RateSetter"

Lee Perth

"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 found the interest rate for unsecured finance the best available. The loan process was so easy and the staff provided exceptional customer service"

Maria Melbourne
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"

  • We provide finance for

    • Buying an asset
    • Fit outs
    • Marketing campaigns
    • Working capital
    • Other one-off costs

  • You're eligible to apply if you

    • Have been trading for at least 2 years
    • Have a good credit history
    • Can demonstrate monthly sales of at least $10,000

Ready to apply for a business loan?

Apply online now
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