ABN Business Loans

The cost of the monthly repayments and the total investment cost hinges significantly on the interest rate. For smaller, self-employed enterprises the rate can mean the difference between a viable and a totally unworkable acquisition. We assist with our cheaper rates which have been the cornerstone of our operation for over 25 years. While rates can be different for individual applicants, using our latest rates for comparison purposes highlights how competitive we are. For the rate we may secure for you, simply contact us for a specific quote.

Compare Our Interest Rates on Finance for ABNs and Sole Traders

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Why Jade Finance?

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With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Fast, Efficient, Effective ABN Loan Solutions

We provide self-employed operators with a fast and efficient way to secure effective funding. With more than 80 lenders in our lender panel and over 25 years of experience, we have the specialist sources and the resources to assist operators that don’t meet all the approval criteria as set by some banks and lenders. Our efficient, streamlined service assists operators that have only traded for a short time, have smaller turnover or do not have complete financials, to secure credit solutions at affordable rates and workable terms. We have lenders that approve these types of credit applications and our brokers handle the entire process to ensure the right solution is obtained. Don’t let a lack of affordable funding restrict you from achieving your objectives. Contact us and find out how we can support you with truck, motor vehicle, equipment, cash flow and expenditure funding at our trademark better interest rates.
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Quick, Productive, and Efficient ABN Loan Solutions

Types of ABN Financing Available

We provide credit to cover many funding requirements for self-employed operators. These include for asset acquisitions such as cars, trucks, equipment, machinery and vans as well as cash flow credit and general expenditure. Your individually assigned broker will take your brief and source the right lender and the right option to meet your specific requirements. If you are just starting-up, we do have lenders that approve credit without all the financials.

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ABN Equipment Finance

All types of equipment and machinery that is used in a commercial operation, including IT and delicate devices as well as heavy wheeled goods, can be funded. New and second-hand goods credit available.

Truck Loans for ABNs

We have the complete selection of asset acquisition credit products for owner operators to fund heavy, light and medium duty trucks with or without trailers and bodies.

Car Finance for ABNs

Utes and cab chassis for tradies and rural operators, passenger cars for general commercial operators and vans and wagons for owner drivers can all be funded with our cost-effective options.

ABN Business Loans

We have options to support operators during shortages with cash flow and to cover other expenses with secured and unsecured credit options available.

No Doc Low Doc ABN Finance

For operators just starting up or relatively new and without financials, we have options through our specialist lenders.

What are Loans for ABNs?

While a specialist area for lenders, this category can include a large range of different operational set-ups and reasons for requiring this type of funding. The simplest explanation of this credit option is for all and any commercial operators that do not meet the criteria or tick the boxes on the standard commercial credit application form. Criteria may relate to the time the entity has been trading, not reaching the minimum level of turnover or not having sufficient or strong enough financials. Typically, new operators will fall into this category as will some very small commercial enterprises.
  • ABN essential, GST registration not a mandatory requirement.
  • Trading period below minimum requirements.
  • No financials or insufficient documentation.
  • Below minimum turnover.
  • Balance sheet unacceptable.
  • Insufficient resources and security.
  • Debt level too high.
  • Cash flow too weak.
  • Lack of proof that the operation has long-term profit and viability potential.
  • No GST registration, indicating turnover below $75,000.
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Commercial Loans for business owners

How to Estimate ABN Loans

While a quote will be required to obtain your specific interest rate, our credit calculator can be used to acquire estimates prior to submitting a request for quote or an application. Simply enter the amounts for the credit you require, the relevant interest rate and vary the term and balloon/residual to see the monthly repayment estimate.

This is a great tool for comparing different options in vehicles and equipment and for establishing preferences on how you would like your credit to be structured. It’s free to use and available 24/7 with no obligation.

ABN Finance for All Types of Set-Ups, All Industries

Self-employment and contracting are extremely popular in many industries. We know this very well through our vast experience and provide funding options for construction and building sub-contractors and tradies, IT contractors, creative freelancers, small online retailers, gig economy workers and those setting up a secondary income channel.

  • Building, IT and services subcontractors.
  • Tradies and technicians.
  • Freelancers and project contractors.
  • Sole traders and SMEs

Types of ABN Loan Products We Offer

As a specialist commercial lending broker, we offer a comprehensive and complete range of lending facilities. Products and facilities to cover asset acquisitions as well as credit for a wide range of non-asset expenses and lines of credit. Fixed interest rates are available on the majority of options and we negotiate workable fixed credit terms to ensure our customers have certainty with workable, fixed monthly payments.

All the tax benefits for each product can be realised by self-employed operators. These benefits with the product and should be considered when deciding which is the most suitable option for the enterprise. The individual features and benefit of each funding facility can be reviewed on our web pages or speak with one of our brokers for more details.

  • Leasing
  • Rent-to-Own
  • Chattel Mortgage
  • Commercial Hire Purchase
  • Secured Commercial Loans
  • Unsecured Commercial Loans
  • Line of Credit and Overdraft
  • Debtor Invoice Funding
  • Insurance Premium Funding

Source the Right ABN Loan from Our 80+ Lenders

A major issue in securing affordable and workable credit for the self-employed is knowing where to apply. Knowing what lenders will approve their application when it does not tick all those boxes. The commercial funding sector is extremely large, but some lenders are not visible or available directly to business owners. They connect with customers only through select brokers. With our longevity in commercial lending and our impressive reputation, we have acquired accreditation with more than 80 lenders.

Our lenders include Australia’s major banks, a selection of other banks as well as many non-bank lenders. This vast selection equips our brokers with the resources and the vital connections to find the right lender for each of our customers. The lender that is suited to that self-employed operator, to their industry and to their profile.

Application approval guidelines vary across the market and it can be critical to the interest rate offered and overall funding outcome, to get access to the right lender. We have those ‘right’ lenders and our experienced team of Australian-based brokers do the work to secure the cheapest rates and most competitive offers for our self-employed customers.

Working with a broker may be new for many small operators. But the benefits of working with us will quickly be realised. We assign you one of our brokers who handles the credit sourcing, negotiating and structuring process. Streamlining the task to save you time and obtain a workable solution.

  • 80+ Lenders with specialist ABN financing lenders.
  • Australian-based and owned commercial credit brokers.
  • 25+ years of experience.
  • Services for self-employed customers across Australia.
  • Individually sourced and negotiated solutions.

No Credit Check ABN Finance

If a customer has issues with credit, we work towards achieving a suitable outcome without the need for a credit check. We have lenders that may approve applications based primarily on strong financials or strong cash flow and other indicators. Speak with one of our brokers to discuss what may be achievable for your situation.

Fast ABN Financing Approvals!

It’s easy to apply for funding with our online system or over the phone. You’ll be assigned one of our expert brokers who will assist you with the application. Many can receive approvals within 24 hours.

  • Streamlined application process.
  • Support and assistance from expert brokers.
  • 24 hour approvals.
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*The purpose of the interest rate comparison table is to provide a guide only and for comparing the interest rates on different commercial loan products. Quoted repayments are based on advertised rates and do not include lender fees and charges. An offer made to you by a lender may be at a different interest rate and have a different repayment. Using this device is not an application, any indication of an offer, and is not a loan approval.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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ABN Loan FAQ's

  • It is typical for personal financials of sole traders and self-employed operators to be assessed as part of the commercial credit application approval procedure.

  • When purchasing assets such as cars, trucks and equipment, lenders may accept the goods as the sole security for the funding. With some applications additional collateral may be required.

  • Computer equipment used in a commercial operation would be included as equipment funding.

  • The choice of credit product determines the tax deductibility of the monthly repayments. Rent to Own and Leasing feature tax deductible repayments but CHP and Chattel Mortgage have deductions with depreciation of the truck. Interest is deductible.

  • Being registered to charge and claim GST is not required to apply for commercial funding.

  • Prior to requesting a quote or making an application, buyers can use a credit calculator to obtain rough repayment estimates on vehicle funding.

  • Self-employed operators have the choice of CHP, Rent-to-Own, Leasing and Chattel Mortgage for asset acquisitions.

  • Some banks and lenders will stipulate 12-24 month trading to be eligible for commercial credit. There are lenders that do approve applications for lesser trading periods.

  • Lenders assess each application individually to make interest rate offers. Self-employed operators can be offered competitive rates with a strong application.

  • Yes. You will need the official Australian Business Number in order to apply for commercial credit.

  • Some banks and lenders may reject an application due to low turnover, weak cash flow and other reasons. Operators may seek out other lenders through brokers, that will approve this type of application.

  • Yes. Approval of a credit application entitles the enterprise to the tax deductions pertaining to the specific credit product selected.

  • A wide range of self-employed set-ups may be eligible for credit. These include freelancers, contractors, SMEs, gig workers, tradies and others.

  • An Australian Business Number is essential to all commercial lending applications. Being registered for Goods and Services Tax is not an essential requirement but may enhance the application. Financial documentation on the operation is requested but this type of credit may be obtained with minimal documentation and with minimal turnover and trading period.

  • No. Credit for self-employed operators is not the same as bad credit funding. Self-employed funding is for operators that simply do not tick all approval criteria as set by some lenders. They may have good credit.