Business Loans Tailored to Your Growth
At Happy Vic Lending Solutions, we understand that access to capital is one of the most important factors in business growth. Whether you need funds to manage cash flow, purchase inventory, expand operations, or invest in new opportunities — our customised business loan solutions are designed to empower your business at every stage.
Two Types of Business Loans: Secured & Unsecured
We offer two main types of business loans depending on your eligibility and financial situation:
Secured Business Loans
A secured business loan is backed by an asset — typically real estate — offering lower interest rates and larger loan amounts.
- Must be a property owner
- Higher approval chances and favourable terms
- Suitable for business expansion, equipment purchase, or large investments
- Includes Second Mortgage Options for capital raise
Unsecured Business Loans
No property? No problem. Our unsecured business loans are ideal for businesses without real estate assets.
- Non-property owners eligible
- Efficient process and responsive service with minimal documentation
- Requires 6 months of bank statements, ABN, and Australian Driver’s Licence
- Great for working capital, marketing, or stock purchases
Basic Eligibility Criteria
To apply for a business loan, your business must meet the following criteria:
- Minimum 6 months of business operation
- Valid Australian Driver’s Licence
- Active ABN registration
- Bank statements showing regular business activity
Even if your business is relatively new, we can guide you through the options available based on your current financial standing.
Business Finance Options We Offer
We go beyond traditional business loans to provide flexible finance products that support different business needs:
Line of Credit
Access funds as you need them, only paying interest on the amount you use. Ideal for ongoing business expenses and emergencies.
Business Overdrafts
Get an overdraft facility linked to your business account for short-term working capital needs. Helps manage cash flow during slow seasons.
Business Term Loans
Fixed or variable-rate loans with regular repayments over a set period. Great for major purchases, hiring staff, or opening a new location.
Invoice Financing (Debtor Finance)
Struggling with cash flow due to slow-paying clients? Invoice financing helps unlock the money tied up in unpaid invoices, giving your business the liquidity it needs to operate smoothly.
- No need to wait 30, 60, or 90 days for payments
- Ideal for B2B companies and service providers
- Fast access to working capital
Second Mortgage – For Property Owners
If you’re a property owner, you may qualify for a second mortgage business loan, allowing you to leverage your existing equity to fund your business. These loans are particularly useful for:
- Expansion projects
- Equipment purchase
- Cash flow boost
- Debt consolidation
We’ll help you assess the value in your property and connect you with lenders that suit your needs.
Support for Small & Medium Businesses
Whether you run a tradie business, eCommerce store, transport company, retail shop, or professional service firm, our business loan specialists work with a wide range of industries.
We provide fast, transparent, and tailored lending solutions — without the red tape.
Why Choose Happy Vic Lending Solutions?
- Access to multiple lenders for a range of competitive options via our lender panel
- Specialists in helping startups and growing businesses
- Visa holders and non-property owners welcome
- Simple application with minimal paperwork
- Transparent process & dedicated lending support
Let’s Talk Business Finance
Finance Solutions Built for Australian Businesses
At Happy Vic Lending Solutions, we understand that running a business requires not only vision and hard work, but also reliable access to funding at the right time. Whether you’re just starting out, planning to expand, purchasing new equipment, managing day-to-day expenses, or navigating seasonal cash flow fluctuations, our flexible business loan solutions are designed to meet your specific needs. We partner with a diverse panel of banks, alternative lenders, and private financiers to offer a wide range of loan options with competitive interest rates, tailored repayment terms, and fast approvals—so you can focus on growing your business without financial stress. From small start-ups to established enterprises, we work closely with business owners to understand their goals and provide expert guidance every step of the way. With a streamlined application process, minimal paperwork, and personalised service, securing the right finance for your business has never been easier. At Happy Vic Lending Solutions, we’re more than just brokers—we’re your trusted partners in long-term business success.
Franchisee Business Loan
Getting financing for a franchise can be tough, as many lenders are hesitant to fund new franchises or startups.
At Happy Vic Lending Solutions, our Lending Specialists have years of experience in securing good funding for franchises. We have strong connections with various banks and financial institutions that help make your business ownership dreams come true.
You can rely on our experienced Lending Specialists to understand what lenders look for. They know how to put together strong loan applications, greatly increasing your chances of getting approved.
Cash Flow Lending
Happy Vic Lending Solutions helps everyone with their financial needs.
We provide unsecured small business loans to support small business owners across the country.
We build professional, long-term relationships to understand your financial and business needs, allowing you to create flexible payment plans with low interest rates that won’t slow your business growth. With the right support, you can quickly elevate your business.
Development Loan
Development finance usually works as a short-term loan that funds different stages of development. The loan term typically lasts between six to 18 months, depending on the project’s size and type.
For those seeking to finance their first development, there are a few important factors to consider:
- Creating a project feasibility report.
- Knowing the various costs associated with this project (like council fees).
- Finding reliable suppliers like builders, project managers, and surveyors
Unsecured Business Loan
We partner with major lenders in Australia
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.