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?

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

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

6,000+ delighted borrowers

A trusted business partner

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

"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"

  • 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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