Industry-by-industry business finance
Every industry borrows differently.
Cafés borrow for coffee machines. Builders borrow to bridge progress claims. Vets borrow for X-ray suites. Every industry uses finance differently — and lenders read each one differently. Find yours, see what lenders look for, then see if you qualify.
- No credit check to enquire
- 44 industries explained
- $20k – $5m secured
No credit check to enquire
Asking what's possible leaves your credit file alone. A credit check only comes up once you choose to go ahead.
Not sent to a crowd of lenders
No spray-and-pray. Your enquiry isn't auctioned off, so your phone won't start ringing with strangers.
A real person who gets your industry
Someone reads your enquiry, thinks about how your industry works, and calls you. Accurate answers mean the right match first time.
Four sectors, 44 industries
Start with your sector
Each sector groups industries that make money in similar ways, so the lender questions are similar too.
The lender's lens
Four things every lender asks about your industry
The questions are the same in every sector. The answers are what make your industry different.
How does cash arrive?
Daily card takings, monthly contracts, progress claims, government claims or one big harvest cheque. Timing matters as much as the total.
What are the assets worth?
A ute sells easily. A brewery's tanks or a salon's fit-out, less so. Specialised gear pushes lenders to look at other security or at trading strength.
What must stay licensed?
Builder, electrical and security licences, health registrations, excise and liquor licences. If the licence lapses, the income stops.
Who pays you, and how reliably?
Many small customers spread the risk. One big client, one distributor or one funder concentrates it — lenders will ask about them by name.
Myths, busted
What owners get wrong about industry and borrowing
- "Lenders won't touch hospitality."
- They lend to cafés and restaurants every day. They just want to see takings in the bank, a lease with time left on it and a plan for the quiet months.
- "Government-funded income is as good as cash."
- It's reliable, but it arrives after you've paid wages. Lenders look at your claiming history as closely as the funding itself.
- "Profit is what gets you approved."
- Profit helps. Cash flow, debtor days and the bank statements that prove them usually decide the size of the facility.
- "If the bank says no, everyone will."
- Banks have narrow appetites for some industries. Other lenders, and property-secured options, look at the same business differently.
How it works
Three steps, one real person
- 1
Tell us your industry and need
A 60-second enquiry: what the business does, how much you need and what it's for. No credit check at this step.
- 2
We think about your industry
A real person reads it, considers how businesses like yours earn and spend, and calls you to fill in the gaps.
- 3
You hear options that fit
Secured or unsecured, what it takes and what happens next. You decide whether to go ahead — only then do documents and credit checks come in.
Quick check
Secured or unsecured — which lane first?
Four taps. Whatever your industry, your property, trading history, amount and banking habits decide which lending lane to explore first.
Property-secured loans run from $20k to $5m through first mortgages, second mortgages or caveat loans. Unsecured cash-flow options typically run from $5k to $500k, sized on turnover and bank statements. Past credit issues and ATO debt are looked at case by case.
Guides
Guides that cut across every industry
Industry codes, benchmarks, licences, specialised equipment and more — the things that shape a loan whatever you do.
ANZSIC Codes and Business Loans: Why Your Label Matters
How lenders use your industry classification when you apply for a business loan, why a vague label can slow things down, and how to describe your business well.
Read the guide → NumbersATO Small Business Benchmarks: What a Lender Sees
How the ATO's industry benchmarks work, what they reveal about your costs, and how to use them to explain your numbers before a lender asks.
Read the guide → ComplianceLicences Lenders Check Before They Fund a Business
Which trade, health, liquor, excise and professional licences lenders look for before funding a business, why they matter, and how to have them ready.
Read the guide → SecuritySpecialised Equipment and Business Loans: Resale Value
Why lenders treat a ute, a brewery tank and a dental scanner so differently, how resale value affects security, and how to fund specialised equipment well.
Read the guide → Cash flowMedicare, NDIS, PBS and CCS Income: How Lenders See It
How lenders treat government-funded revenue from Medicare, the NDIS, the PBS, the Child Care Subsidy and aged care programs — and the timing gap it creates.
Read the guide → Tough timesBusiness Loan When Your Industry Is Doing It Tough
How lenders react when a whole industry is under pressure, which signs they watch, and how to show your business is stronger than the headlines.
Read the guide →Questions owners ask us
Do lenders really treat industries differently?
Yes. Industry changes how money moves through a business — how customers pay, how seasonal income is, which licences must stay current and what equipment is worth second-hand. Lenders use that to decide what to check and how to structure a facility. It rarely decides the answer on its own.
What amounts can Every Business Loan look at?
Property-secured business loans from $20,000 to $5,000,000 using first mortgages, second mortgages or caveat loans over residential or commercial property. For trading businesses without property to offer, unsecured, cash-flow and line-of-credit options typically run from $5,000 to $500,000, sized on turnover and bank statements.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes into it once you've talked through the options and decided to go ahead with an application.
Do you send my enquiry to lots of lenders?
No. We don't do spray-and-pray. A real person reads your enquiry, thinks about how your industry works and matches you properly, so you won't be flooded with calls from lenders you've never heard of.
My industry is considered high risk. Is there any point applying?
Usually, yes. Most 'high-risk' labels are really about specific patterns — seasonal income, cash takings, specialised gear. Show a lender clean banked income, the right licences and a clear plan, or offer property security, and many of those concerns fall away.
Can you help if I have bad credit or ATO debt?
Past credit issues and ATO debt are considered case by case. Tell us about them up front in the form — it helps us point you to an option that can actually say yes.
Is this for personal loans too?
No. Everything here is for business purposes — equipment, stock, fit-outs, wages, buying a business, tax and other genuine business needs.
Whatever your industry, start with one short form
About 60 seconds. No credit check to enquire. Not shopped around to a crowd of lenders. A real person who takes the time to understand how your business works.
No credit check to enquire
Not sent to a crowd of lenders
A real person who gets your industry