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Whether you need to buy inventory, hire staff, expand your premises, or launch a new product, you need access to capital to make it happen.
However, getting a business loan from a bank or a traditional lender can be a nightmare.
A 2022 Australian Small Business and Family Enterprise Ombudsman report shows that 40% of Aussie small businesses have already ridden the small business loan wave to success.
Their secret?
Financing growth and expansion, proving that with the right loan, even small businesses can make big moves.
Read on to learn more about the different business finance solutions you can use to grow your business.
As a small business owner, you know how challenging running and growing your business can be.
It's like a juggling act with various expenses like rent, payroll, inventory, taxes, and more.
You must also navigate the world of competition, market changes, customer demands, and other uncertainties.
But here's the stressful part – sometimes, you might need extra cash to cover your costs, seize an opportunity, or tackle an unexpected crisis.
You may think getting a bank loan is the only option (Many small business owners think the same way and have fallen into stressful debt traps.)
Truth bomb?—banks are often reluctant to lend money to small businesses.
To make matters more challenging, banks and big-shot lenders may require a lot of paperwork, collateral, and guarantees.
On top of that, they may charge high interest rates and fees.
It may take weeks or even months to approve your loan application.
And the worst part?
They may reject your loan application for various reasons, such as a low credit score, insufficient revenue, or simply because they didn't like your business plan.
While borrowing from family, relatives, or friends might seem convenient, it can strain relationships and lead to complications if the terms are not clearly defined and agreed upon.
Max Funding's small business loan helps small businesses get the funding to start, grow, or expand.
Our small business loans can be used for a variety of purposes, such as:
Here's the exciting part: it's fast, flexible, and affordable, making your business goals closer than ever.
But wait, there's more! You can apply for a small business loan online and get approved in minutes or hours.
Picture this: you can borrow up to $ 1,000,000 and repay it over one month to five years while choosing the best interest rate and repayment schedule for your budget.
And the best part? You don't need a lot of documents or collateral; just show us your bank statements and monthly revenue.
But the excitement doesn't stop there! A small business loan can help you solve your cash flow problems, invest in your business growth, and achieve your goals.
And guess what? It can even help you improve your credit score and financial stability. So why wait? Your small business success story starts here.
Starting a new business is incredibly exciting, but let's face it, getting a loan can be a real headache.
Imagine this: you're all pumped up with this fantastic business idea, but the banks won't listen.
Why?
Well, first off, they want a credit history, but how can you have one when you're just starting?
Plus, they see startups as risky endeavours, so they often slam the door right in your face.
And if you do manage to get a loan, those interest rates can be sky-high, taking a big bite out of your profits.
Max Funding's startup business loan is designed to help new businesses get the funding to start and operate.
If you're a business owner with bad credit—you know the struggle.
Traditional banks are quick to turn you down, and even if you find a lender willing to work with you, the interest rates are usually very high.
Max Funding's bad credit business loan is for businesses with poor credit.
These loans can be used for various purposes, such as starting a new business, expanding an existing business, or covering unexpected expenses.
Max Funding's bad credit business loans are designed to provide a lifeline to business owners facing credit hurdles.
Here's how we can support your journey:
You're a small business owner, just starting or looking to tackle urgent expenses.
You need cash, but banks and big lenders? They make it feel like a mission impossible. They want you to sign up for long-term commitments, which can be a real headache.
Here's what keeps you up at night:
It's enough to make you want to pull your hair out!
Max Funding's short-term business loan is designed to be repaid within a year or less.
Short-term business loans can help you improve your credit history and rating by making timely and consistent payments.
You can also improve your cash flow and working capital by managing your expenses and income more efficiently
Imagine this: You've got a great business idea and are ready to make it happen. But you need a bit of funding to get started.
You go to the bank, but they tell you you must provide two years of tax returns, financial statements, and a business plan. You're overwhelmed and discouraged.
Or you've been running your business for a few years but struggling to grow.
You need a loan to invest in new equipment, hire more staff, or market your business more effectively. But you don't have the perfect credit score or financial history.
Max Funding's low-doc business loans are designed to make it easier for startups and small businesses to get the needed funding.
As the name suggests, you don't need to provide as much documentation as you would for a traditional bank loan.
New businesses often need more extensive documentation.
Our low-doc business loans are tailored for startups, bridging the gap without drowning you in paperwork.
We understand that a credit score doesn't define your business potential.
Our loans focus on your business's capabilities, providing a chance for growth despite a less-than-perfect credit history.
Don't worry if you lack substantial collateral.
We look at the bigger picture, understanding that a business's potential isn't solely based on assets.
Our loans are designed to support businesses with limited collateral.
Need to expand rapidly?
Our low-doc business loans are the accelerator your business needs.
Whether it's launching new products, growing services, or boosting marketing efforts, we provide the financial push for swift growth.
Opportunities don't wait, and neither should your business.
Our quick-access loans empower businesses to grab those opportunities with both hands, providing the necessary funds when you need them the most.
Seasonal businesses often face financial challenges during off-seasons.
Our tailored loans can provide a financial cushion, ensuring your business sails smoothly through peak and slow periods.
Why break a sweat searching for funds when your property can pave the way to your financial dreams?
In the business game, the difference between thriving and just surviving often boils down to smart moves and utilising what you've got.
Imagine getting the funding you need to start or grow your business, even if you have bad credit or no collateral.
With a caveat loan, you can make this happen.
Max funding's caveat loan is a type of secured loan that is secured by a caveat placed on the title of the borrower's property.
In simpler terms, the loan is secured by a 'caveat,' a fancy word that means the lender gets a legal interest in your property.
But don't panic! It's there to make sure both sides play fair. If you can't keep up with payments, the lender can take your property, but it's not their first choice.
I know what you're thinking: "I don't want to use my property as collateral."
I understand. But a caveat loan can be a smart investment in the future of your business. With careful planning and execution, you can use a caveat loan to grow your business and become more profitable.
Common objection: "I don't have a lot of equity in my property."
Even if you don't have a lot of equity in your property, you may still qualify for a caveat loan. Some lenders, like Max Funding, are willing to lend up to 100% of the value of your property.
Business owners take caveat loans for various reasons, including:
If you're struggling to make ends meet, a caveat loan can help you get back on track. With careful planning and execution, you can repay your loan and grow your business.
You have grand dreams for your business.
You want to make your business bigger and better.
You want to buy more things, hire more people, or sell more products or services.
But you have a problem,
YOU DON'T HAVE ENOUGH MONEY TO DO ALL THESE THINGS.
Getting money from a bank through a bank loan might seem like a solution, but it's a challenging and precarious path.
Repaying the loan monthly, with added interest, is obligatory.
The process involves providing extensive documents and details about your business.
You must also prove you own valuable assets, such as a house or car, which the bank can claim if you fail to repay.
Plus, the bank can always reject your loan request, adding to the uncertainty.
Are you a small business owner looking to get your hands on some quick cash without the hassle?
Maybe you've got opportunities knocking, but the funds are just out of reach.
Or perhaps unexpected expenses are throwing a wrench in your plans?
We get it!
Ever found yourself stuck because banks and traditional lenders wanted more collateral than you could provide?
Or maybe you worry about risking your assets if you can't make those payments?
It happens to the best of us.
And hey, credit scores, right? If yours isn't exactly sparkling, getting a loan can feel like mission impossible.
But what if there's a way to get the money you need without all the stress?
Oh, and here's the best part – what if this loan could even help boost your credit score?
Sound too good to be true? Let's talk about how we can make it happen.
An unsecured business loan is a type of business financing that doesn't require any collateral.
If you fail to make payments, the lender takes possession of the collateral to cover its losses, reducing its risk.
Max Funding’s unsecured business loan is based on your creditworthiness and the financial performance of your business.
You don't have to pledge any assets, such as property, equipment, or inventory, to get the loan.
Here, we explore the numerous advantages of these loans, along with a few considerations to keep in mind.
Imagine the aroma of freshly brewed coffee wafting through the air, the cheerful chatter of satisfied customers, and the fulfilment of running your own McDonald's.
But as you stand on the cusp of your franchise dream, the funding barrier seems insurmountable – the franchise fees, setup expenses, and ongoing costs loom large.
Max Funding’s franchise loans pave the way, transforming aspirations into accomplishments.
Our franchise loan helps you buy or start a franchise business.
A franchise business is a business that operates under the brand name and system of an established company, such as McDonald's, Subway, or KFC.
When you buy or start a franchise, you have to pay a franchise fee, which is a one-time payment to the franchisor (the company that owns the brand name and system).
You will also have to pay any initial store equipment and shop front fees.
You also have to pay ongoing royalties, which are a percentage of your sales that you pay to the franchisor every month.
You also have the working capital of running your franchise business, such as staff and inventory.
But don’t let these fees bring you down because in Australia, with over 1,100 franchisors and 65,000 thriving franchise units, there's a place for your dream franchise too.
A franchise loan can be your golden ticket to success.
Running a business or launching a startup is an exciting journey filled with ambition and dreams.
But here's the reality check: you could be steering your ship straight into stormy waters without adequate funding.
We're here to make sure that doesn't happen to you.
Don't let your business fall victim to these funding woes!
In a recent Bank of Queensland report, one of the main reasons why small businesses struggle is "lack of adequate and sustainable funding or cash flow." Let that sink in.
And here's some food for thought: As of February 2021, there were over 2 million small businesses in Australia.
While only 192 failed in January 2021 (representing a tiny 0.0096% of the total), experts warn that these numbers could rise as the economic landscape shifts post-JobKeeper.
Secure the funding you need to thrive and grow. Your dream deserves nothing less!
Max Funding has helped thousands of Australian businesses achieve their goals and dreams with our loans.
Here are some of their stories:
Our customers have given us 5-star ratings across the board.
Check out our reviews; 619 happy folks on Reviews.io can't be wrong!
Finding a trustworthy partner is paramount in the bustling landscape of financial options. Max Funding stands as a beacon of reliability and integrity in the world of business funding.
Find out why you should trust Max Funding.
We have funded over $142,546,168 to over 8,596 Australian businesses, spanning 131 diverse industries.
Our reputation isn't just a tale; it's a legacy.
With a flawless 5 out of 5 rating on Reviews.io, based on 619 reviews, our customer service, seamless process, and remarkable outcomes have garnered a devoted fanbase.
On TrustPilot, 83% of reviewers have bestowed upon us a coveted 5-star TrustScore. Our clients on TrustPilot, appreciate the speed, efficiency, and unparalleled service they receive.
When our clients recommend us, they're not just endorsing our services; they're endorsing their success.
From tech startups to local cafes, we comprehend the diversity of businesses that fuel Australia's growth.
That's why we embrace a staggering 131 industries.
Your industry isn't just acknowledged; it's celebrated.
Your unique venture is what makes our funding community vibrant.
Proudly Australian-owned and operated, we breathe the essence of Australian businesses because we are part of it.
We grasp the challenges you encounter, the aspirations you chase, and the potential you possess.
That's why our solutions echo the Australian entrepreneurial spirit.
At Max Funding, we believe in the power of giving back.
We actively support charities such as The National Breast Cancer Foundation (NBCF), the National Heart Foundation of Australia, and Kiva.
Your business growth doesn't just benefit you; it contributes to meaningful causes, making your success a force for good in the community.
In business financing, recognition speaks volumes.
Max Funding proudly wears its accolades, having been featured in esteemed publications like The Sydney Morning Herald, The Australian Financial Review, and Finder.
When you choose us, you're aligning your business with a reputable name acknowledged by the best in the industry.
Explore the differences between traditional banks and Max Funding's innovative approach to business financing.
 |
The Banks | |
|---|---|---|
| Loan Amount | Borrow as little as $3,000 or as much as $1,000,000 | Can't borrow less than $50,000 |
| Application Process | Easy application process, anytime, anywhere in Australia | Tiring process and excessive paperwork-usually takes weeks for a result |
| Credit Requirements | Small business and new business friendly, bad credit considered | Business must be established for more than two years with extensive proof of profitability. |
| Approval Speed | Swift approval, often within 24 hours, thanks to streamlined procedures. | Typically slower due to extensive paperwork and approval processes. |
| Funding Purpose | Freedom to use funds for any business purpose. | Banks may have restrictions on how funds can be used. |
| Expert Guidance | Expert guidance throughout the loan process to make informed decisions. | Limited support and guidance from traditional banks. |
| Repayments | Flexible to fit your budget | Fixed large repayments. |
| Receive Money Under 24 Hours |  |
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| No Financial Statements | |
|
| No Tax Return/BAS | |
|
| Transparent Cost | |
|
| Designed for Small Businesses | |
|
A small business loan is designed to help entrepreneurs and small businesses access the capital they need to start or grow their businesses.
The loan typically provides funds for specific purposes such as equipment, working capital, or inventory purchases.
Our eligibility requirements are designed to be accessible and accommodating to small business owners like you.
We primarily look for evidence of your business's stability and ability to repay the loan.
Applying for funding with Max Funding is easy. To start the process, visit our website and submit your application.
Our team will review your application and contact you as soon as possible to discuss the next steps in the process. Please ensure all the necessary documents are ready to provide when requested.
It usually takes at least 24 hours to get approved for a small business loan with Max Funding.
During this time, our team of experienced financial experts will work closely with you to analyse your business needs and determine the best loan option for you.
Once approved, funds can be available before the next business day.
Max Funding offers a competitive rate with no prepayment penalty. Our goal is to make sure you get the best rate possible so that you can focus on growing your business.
Max Funding does not charge any additional fees besides your loan's interest rate.
When you apply, we will provide a clear and transparent explanation of all fees so that you know exactly what to expect before signing your loan agreement.
Max Funding offers flexible repayment terms to fit your specific needs. Depending on the type of loan you apply for, repayment terms may range from 6 months up to 5 years.
Max Funding offers a variety of loan amounts tailored to your business needs, the maximum loan amount offered by Max Funding is $1,000,000.
Every business is unique, so the loan amount is determined based on your requirements and financial situation.
At Max Funding, we understand that people's credit scores can vary.
However, regardless of your credit score, our team will work with you to find a solution to help meet your business needs.
Qualification is based on your business's performance, not just your credit score. Customers with a bad credit history can still get a business loan with Max Funding.
We pride ourselves on speed. You can often have the funds in your account within 24 hours.
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