A small business loan is a form of funding arranged between a business and a financial institution such as a bank or an alternative lender. Sure Capital assists Australian businesses to get access to small business loans for buying equipment, stock purchases, hiring staff, general cash flow requirements, or purchasing commercial property. A small business loan funds operating costs and capital expenditure.

There are various types of business finance options in Australia, and each of them comes with slightly different requirements. Unsecured business loans are fast and easy to get access to, and usually take the form of short-term finance to take advantage of an opportunity to grow or expand the business. Short-term business loans are often used to cover cash flow issues over a short period of time. Secured business loans require securing the funding against an asset or collateral such as property, plant, or equipment.

Other popular types of small business loans alternatively to the ones offered by the standard business loans that the banks provide are business line of credit, merchant cash advance, invoice finance factoring, and equipment finance. Nowadays, many Australian small businesses have a loan facility of some description used for all different sorts of purposes.