Term Loans.
You know what the money is for and what you can afford each month. A business term loan gives you the lump sum upfront and fixed repayments over 1 to 7 years - no revolving credit, no surprises. We price it across 60+ lenders; approval typically inside 24-48 hours.
Get a free quote
Won't affect your credit score.
What can we help you with?
How It Works
Business term loans - a lump sum upfront, fixed repayments, predictable planning
A term loan is a one-time lump sum repaid in fixed monthly instalments over an agreed period. Expansion, equipment, working capital or debt consolidation - budgeted to the dollar.
Secured or unsecured, short or long, we price it across 60+ lenders - major banks, non-banks and specialist providers - and structure it around your cash flow, not a bank's standard template.
Need flexible access rather than a lump sum? Explore Cash Flow Loans for short-term unsecured working capital, or Debtor Finance if your capital is tied up in receivables.
Borrow What the Job Needs
From a $25,000 working capital top-up to a seven-figure capital program.
Competitive Interest Rates
60+ lenders priced against each other. Your rate reflects competition, not loyalty.
Terms From 1 to 7 Years
Repayments aligned to your cash flow and planning - not a bank's standard template.
Decision in 24-48 Hours
Most applications get an initial decision inside 48 hours. We keep it moving.
Use Cases
Business term loans - what Australian businesses use them for
If it has a defined cost and a payback timeline, a term loan can fund it. These six jobs come up most.
Business Expansion
Fund a new location, more staff or a new market - with a repayment plan that matches.
Equipment Purchase
Finance machinery, vehicles or tech while the gear earns its own repayments.
Working Capital
Cover payroll, inventory and overheads when revenue timing leaves a shortfall.
Debt Consolidation
Roll multiple debts into one repayment - often at a lower blended rate.
Commercial Fit-Out
Spread a shop, office or venue fit-out across the years it generates returns.
Project Funding
A defined project with a clear return - repayments matched to its revenue timeline.
Run The Numbers
Calculate your business term loan repayments
Enter your loan details
Estimated repayment
$4,200.37 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Key Benefits
Business term loan benefits - why fixed repayments work
The Same Repayment Every Month
Fixed instalments for the life of the loan - you know exactly what's going out.
1 to 7 Years, Your Call
Amounts and repayment periods set to your goals and cash flow.
Funds Without the Bank Queue
Move on an opportunity without months of process or a folder of paperwork.
Competitive Rates
Negotiated across 60+ lenders, which lowers your total cost of borrowing.
Spend It on Any Business Purpose
Growth or day-to-day operations - no restriction on how the funds are deployed.
Every Repayment Builds Your Credit File
A well-serviced loan strengthens your business credit for the next application.
Why Co-Pilot
Why Co-Pilot for business term loans - not just any broker
We work for you, not the lender
Independent advice - the structure that suits your goals and cash flow, not the product with the biggest broker fee.
Lender relationships that open doors
60+ lenders - major banks, non-banks and specialists. We match your profile before anything is formally submitted.
Honest advice on structure
Secured or unsecured, short or long? The wrong term can cost thousands in extra interest - we'll tell you straight.
Clear communication, no surprises
Rates, fees and schedules explained before you commit. We stay on after settlement for refinancing and restructuring.
Eligibility
Business term loan eligibility - most Australian businesses already qualify
Most established businesses qualify. Here's what lenders assess.
- Active Australian Business Number (ABN)
- Minimum 6-12 months of trading history (varies by lender)
- Demonstrated business revenue and cash flow
- Personal and business financial statements or bank statements
- Clear purpose for the loan funds
Don't meet every criterion? Speak to us - we work with specialist lenders for newer businesses, adverse credit, and non-standard situations.
Not sure if you qualify?
Tell us about your business and what the funds are for. We'll give you a straight answer - no obligation, no credit check just to chat.
Hear What Our Clients Are Saying
“Simply the best! James made the whole home loan process so much easier than we expected. He was always available, never made us feel like a burden, and explained everything clearly without overcomplicating it. You can tell he genuinely cares about the people he works with. We always felt like we were in safe hands. Highly recommend”
James Spicer
FAQ
Common Questions About Business Term Loans
Have a goal and a number in mind? Let's find your loan.
Tell us what the funds are for and how much. We'll come back with straight options from 60+ lenders - terms from 1 to 7 years, approval typically within 48 hours.
No impact to your credit score