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What type of loan do you need?
A business loan gives your business access to funding for working capital, growth or day-to-day cash flow. Thor Finance is a finance broker, not a lender, so we compare lenders on your behalf to find business finance that fits your goals, whether you are starting out, expanding, or smoothing out cash flow.
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What type of loan do you need?
A business loan can be used for many purposes, including:
Your credit profile matters when you apply for business finance. As a broker, Thor Finance matches you to lenders whose criteria suit your situation, so you are not making unnecessary enquiries that can affect your credit. We support responsible lending and work to structure finance that suits your business over the long term.
Lenders assess a range of factors when determining eligibility, including:
(Approval is always at the lender’s discretion. Do not imply guaranteed approval.)
Every business experiences fluctuations in revenue, with busy periods often followed by quieter ones. Business finance helps smooth these out so payroll is met, suppliers are paid and operations continue uninterrupted. For example, a retail business facing a seasonal slowdown can stay stocked and ready for peak trade without dipping into emergency funds.
Growth often requires investment. Whether you are expanding into new markets, adding a product line or fitting out another site, business finance can provide the capital without relying solely on internal funds. For example, a hospitality group can fund a new venue without straining its existing budget.
Managing multiple loans with different rates and schedules can be difficult. Consolidating them into a single facility can simplify repayments, reduce stress and, in some cases, lower overall interest or extend the repayment period, freeing up cash flow.
Business finance lets you adapt to changing needs, from a sudden increase in demand to a short-notice opportunity. For example, a wholesaler can take advantage of a discounted bulk stock purchase even when cash flow is tight.
Funding that does not require assets as security. It can be quicker to arrange and keeps your assets free, usually at a higher interest rate to reflect the added risk to the lender.
Access to funds up to an agreed limit that you draw on as needed, paying interest only on the amount used. This suits fluctuating or seasonal cash flow.
An advance against your unpaid invoices, releasing cash tied up in accounts receivable so you can keep operating while you wait for customers to pay.
Having the right documents ready helps your application move faster:
Business loan interest rates can be fixed or variable. Fixed rates give certainty over repayments, while variable rates can move with the market.
The length of a business loan can affect the total amount repaid. Shorter terms generally mean higher repayments but less interest overall.
Be aware of establishment fees, ongoing account-keeping fees and early repayment costs. We help you compare the total cost of finance, not just the headline rate.
Thor Finance supports business owners across South East Queensland from our South Brisbane office. Wherever you are based, we can compare lenders and manage your application from enquiry to settlement.
A business loan is finance a business borrows to fund things like working capital, stock, fit-out or cash flow, repaid over an agreed term with interest.
Yes. Unsecured business loans do not require assets as security and can be quicker to arrange, though they usually carry a higher interest rate. Approval depends on your revenue, credit history and time in business.
No. Thor Finance is a finance broker. We compare lenders on your behalf and manage the application, but the finance is provided by the lender.
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative #557246 of AFAS Group Pty Ltd, Australian Credit Licence #414426. Information on this page is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking advice from your accountant or a qualified adviser before entering into any credit contract. Approval, rates, and terms are subject to lender assessment.
Contact us to see how we can help with your business finance requirements. As a broker, we compare lenders, explain your options in plain English, and manage the application from start to finish.
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative #557246 of AFAS Group Pty Ltd, Australian Credit Licence #414426. Information on this page is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking advice from your accountant or a qualified adviser before entering into any credit contract. Approval, rates, and terms are subject to lender assessment.
Email us to let us know how we can help you with your business’ Loan requirements.
Thor Finance
ABN 31 629 922 589
Contact us to see how we can help you with your finance requirements
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative
#557246 of AFAS Group PTY LTD, Australian Credit Licence #414426.
