About Merchant Cash

Business Loan Experts

The team at Merchant Cash are dedicated to helping small businesses all over Australia get the small business loans they need to grow.

Merchant Cash has a panel of more than 50 lenders, to ensure your business is matched with the right lender first time.

Merchant Cash Guarantee

  • You will get the best loan for your business
  • Lowest interest rates guaranteed
  • No paperwork, all online application to give you the easiest and fastest funding

We have seen many successful and deserving small and medium sized businesses not receive the funding for their continued business success and expansion. So, we decided to do something about it.

The application process for our unsecured business loans is quick and easy to complete. Our experienced team can approve your loan within hours of an application, and have funds into your account within 24 hours.

About Merchant Cash

We are dedicated to helping small and medium businesses in Australia succeed and grow.

We will help you find the best loan, with the lowest possible interest rate in the shortest period of time to make that happen.

Businesses require capital to grow, and unfortunately these days banks are not making many loans to SMEs.

Merchant Cash uses technology to match you with the best loan for your business, and it all starts with a quick and simple application. If you prefer, you can always call us on 1300 554 912 to discuss your needs with a senior loan adviser.

Our Guarantee

  • Best business loan type to suit your requirements
  • Lowest possible interest rates
  • Fastest funding

Our Service

Cash in bank
Approval Rate


Your exact interest rate will depend on several factors including your business trading history, and loan term. For tailored results complete our quick and simple online application form.

Alternatively, you can always call us on 1300 554 912 to talk to a senior loan adviser to discuss your finance needs.

For an indication of rates, please see the table below.

Loan PurposeInterest Rates From
Cashflow / Working Capital0.75% / Month
Invoice Discounting / Factoring0.5% / Month
Vehicle / Equipment Finance4.09% / Year
Property Finance3.89% / Year
OtherPlease Enquire
We offer all kinds of business loans including:

  • Unsecured Loans
  • Secured Loans (Property & Equipment)
  • Short Term Loans
  • Vehicle & Equipment Finance
  • Invoice Finance & Factoring
  • All other forms of business finance
Merchant Cash uses a panel of more than 50 lenders that can assist most businesses to qualify for a business loan. In order to qualify, fill out this quick and simple application form here.


You will qualifyPlease apply at a later stage
Businesses With Minimum $5,000 Monthly SalesPeople Starting New Businesses
Businesses Established More Than 1 year AgoPeople Purchasing Existing Businesses (unless you already own another business)
Merchant Cash has built a panel of more than 50 lenders, including banks and non bank lenders that will compete to give you the best deal on your next business loan.

In order to see which lender offers you the best rates, fill out this quick and simple application form.

The banks generally take 4-6 weeks to approve and fund your business loan. Merchant Cash can arrange loans and have money deposited in your account in 1-2 days.

To get funded, fill out this quick and simple application form.

Our website is encrypted and your data is protected to the highest standard. All details about your business loan are secured, and we will never sell your data to a third party.

As Featured In

Business Loan Rates
Business Finance Interest Rates
Yahoo Business Finance
Review of MerchantCash.com.au
Business Loans Australia Review of Rates