Equity Business Loans up to $350,000

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How MaxFunding Equity Loans Work

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Step 1

Fill out our online pre-approval form - it'll take only a few minutes to complete.

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Step 2

Upload a few documents from your mobile or computer - make sure they are legible.

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Step 3

Sign the contract, sit back and wait for the money to be deposited into your account, once we have done our final checks.

What is a Equity Loan?

An equity business loan is a type of financing that involves selling a portion of your business ownership to an investor in exchange for money.

Unlike a debt loan, which requires you to repay the borrowed amount with interest, an equity loan does not have to be repaid. Instead, the investor becomes a business partner and shares in the profits or losses of your business.

These loans, also known as equity financing or venture capital, are a type of financing where you sell a piece of your business ownership to an investor for some cold-hard cash.

Alright, but how popular is this in Australia?

Hold onto your hats because the numbers are going to blow you away.

In August 2023, businesses in Australia committed to a whopping $1.9 billion in equity finance, which was a 32.4% increase from the previous year.

australian dollars

Where is most of this money going?

It's primarily being snapped up by professional services, mining, and the information media and telecommunication sectors.

That's not all.

The venture capital and later-stage private equity (VC&LSPE) activity segment, which zeroes in on high-growth and innovative businesses, raised an impressive $4.6 billion in 2018-19.

A huge chunk came from pension funds and foreign investors, with a sprinkle from the government and corporations.

How does this impact small business owners like yourself?

Well, it means there's plenty of money out there to help grow your business.

The booming equity finance market in Australia also reflects the country's strong economy and entrepreneurial spirit.

It's a great sign that investors will take risks and bet on Australian businesses.

But before you start dreaming about all the ways you can use this newfound capital, it's essential to understand equity business loans.

small business owner

What are the Different Types of Equity Business Loans?


Venture Capital (VC)

Venture capitalists are high-rolling investors who always prowl for promising businesses and innovative ideas. 

They usually step in during the early stages of a business, offering a hefty sum of money in exchange for an ownership stake. 

According to the Australian Private Equity and Venture Capital Association, VC investments hit an all-time high in 2019 with $1.3 billion in total investments. 

So, there's a lot of moolah to go around.


Angel Investment

Don't be fooled by the celestial name; these investors aren't quite guardian angels, but they're close. 

Angel investors are typically wealthy individuals who invest their personal funds into startups, often in exchange for equity. 

In Australia, angel investors have consistently been a significant source of early-stage capital. 

A report by the Australian Centre for Entrepreneurship Research states that Angel investment in Australia during 2016-17 was valued at $29 million.


Private Equity (PE)

Private equity is like the big sibling of venture capital. 

PE firms usually invest in established businesses that need capital for expansion or restructuring. 

They invest much more money and want a larger piece of the pie.

 The PE sector in Australia is robust, with over $30 billion in assets under management as of 2019.

Equity Loan Fact Sheet

Suitable For
  • Start-ups
  • Established business owner
  • Commercial property investors
  • Bad credit history
Pre-approval Time 1 to 2 hours
Settlement Time 3 to 5 days
Loan Term 1 month - 36 months (including term extension)
Flexible Repayment We can design a repayment plan that fits your cash flow. This can be a periodical repayment (e.g. monthly), a lump sum payment, or a combination of your choosing. To ease your commitment and allow maximum flexibility, a loan term extension may be available.
Indicative Loan Amount $100,000+
Asset Eligibility Criteria Real estate property (mortgaged OK)
Financial Statement Optional
Dedicated Account Manager Yes
Tax Deductible Yes
Interest Rate Our interest rate is as low as 1.50% per month. We are very confident that our rate is one of the lowest in the market, if you do find a lower rate, let us know, and we will try to beat it.
Save Interest
  • Pay-off loan early
  • Extra repayments lower the balance
*Information provided on fact sheet is for reference only as we can tailor products to your requirement. Please contact us for further information.

How Does An Equity Business Loan Work?

At its core, an equity business loan is like an investor to your business party, and they're bringing in the funds.

In return, they get a share of your business (or a slice of your party cake, if you will). 

This means they'll also have a say in how you run the show.

So, you're gaining funds but losing some of your autonomy.

But it's not all doom and gloom.

Equity financing can be a real lifesaver for businesses that need significant capital or those with a high-risk profile that might have trouble securing debt funding.

The investor takes on the risk.

If your business goes belly-up, you don't have to pay back the investment.


But beware, if your business is a hit, the investor shares in the profits.

Now, let's take a gander at an example, shall we?

Suppose you're the owner of an innovative tech start-up in Sydney.

Let's call it "Techaroo."

Techaroo has a revolutionary idea for an eco-friendly electric car, but you're a bit strapped for cash. 

Enter the equity business loan.

You pitch your business idea to a venture capital firm.

They're impressed by your plan, and they agree to invest $2 million for a 20% stake in Techaroo.

This means they now own 20% of your company and will expect a return on their investment if Techaroo succeeds.

The VC firm isn't just a cash cow, though.

They bring in industry expertise, mentorship opportunities, and a vast network of connections that could help your business grow.

It's a win-win situation.

Your business gets the much-needed capital, and the venture capitalist gets to invest in a promising venture.

Now that you've mastered the basics and understood what an equity business loan is, its types and how it works (you're practically a pro now), let's shift gears and navigate the eligibility landscape. 

So, strap in and let's delve into the question on everyone's lips - Who can apply for an Equity Business Loan?

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Who Can Apply for an Equity Business Loan?



Startups with a unique business concept and high growth potential can attract equity investors. 

Such businesses often haven't reached profitability yet and could use the funds to expedite their growth.

small business

Small to Mid-sized Businesses

SMEs that need capital for expansion or product development can benefit from equity financing.

These businesses have promising growth but need a financial injection to realise their potential.
high risk

High-risk Businesses

Businesses operating in volatile industries or markets that traditional lenders might consider risky can opt for equity financing. 

The risk is shared by the investor in this case, making it easier for such businesses to secure funding.

stack of money

Businesses with High Capital Needs

Businesses with considerable capital requirements, like manufacturing firms or tech startups, could benefit from equity financing. 

The large funds can help them invest in costly machinery, R&D, or market expansion.

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Businesses Wanting to Preserve Cash Flow

If a business wants to preserve its cash flow instead of channelling it towards loan repayment, equity financing is a good option. 

The funds can be used to reinvest in the business instead of paying off debt.


Businesses with High Debt Levels

Businesses already burdened with high debt levels can opt for equity financing to avoid further indebtedness and balance their financial structure.

Innovative Startups

Equity loans are best for innovative startups with a high-risk, high-reward business model. 

Such companies can attract equity investors interested in innovative ideas and high-potential returns.

business plan

Businesses Planning Major Expansions

Businesses planning to expand into new markets or launch new product lines might need substantial capital. 

Equity financing can provide the necessary funds while bringing on board investors who provide valuable guidance or connections.


Businesses without Steady Revenue

Businesses without a steady revenue stream (often startups) may struggle to secure traditional loans. 

Equity financing is a fitting option since repayment is not required, making it less risky for the business.

In a nutshell, equity business loans are a viable option for various businesses, from innovative startups to high-risk ventures, offering them the financial boost they need while balancing risks. 

Now that we've got the who's who sorted let's pivot and explore how an equity business loan can turbocharge your business.

How An Equity Business Loan Can Help Your Business?

Rev up those engines, folks, because we're about to dive headfirst into the world of opportunities that an equity business loan can unlock for your business.

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Fuel for Expansion

Equity business loans can provide the necessary funds for businesses to expand their operations, venture into new markets, or increase their product range. 

For example, Uber used equity financing to expand globally.

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Cushion for Hard Times

The investment can act as a financial safety net, providing businesses with the working capital they need during tough economic times.

Access to Expertise and Networks

Investors often bring more than money to the table. 

They can provide industry knowledge, strategic advice, and valuable business connections. 

Facebook, for instance, benefited from the expertise of its equity investors.

stack of money

Less Financial Risk

Since equity loans don't need to be paid back in case of business failure, they pose less financial risk than debt funding. 

Google, although now a multinational giant, started out with equity financing to minimise financial risk.

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Preserve Cash Flow

Equity financing allows businesses to use their revenue to grow and expand rather than repaying a loan. 

Amazon leveraged this advantage in its early stages to reinvest in itself and grow rapidly.

Equity business loans can be a game-changer

They have played a vital role in the success stories of global giants like Uber, Facebook, Google, and Amazon, helping them scale new heights.

But hold your horses.

Before you crack open the champagne and start celebrating your future success, let's highlight the full picture.

Like everything in life, equity business loans come with their share of pros and cons. 

So, buckle up, folks, as we hit the gas and swerve into the nitty-gritty of the benefits and potential downsides of Equity Business Loans.

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Pros and Cons of Equity Business Loans

Hold onto your hats because we're about to take a thrilling ride through the winding roads of the good, the bad, and the potentially ugly aspects of Equity Business Loans

Pros of Equity Business Loans

No Repayments: The biggest upside? No monthly repayments. This means more moolah stays in your pocket, allowing you to reinvest in your business.Access to Expertise: Equity investors often bring more than just cold hard cash to the table. They're industry experts with invaluable insights and expansive networks that can propel your business to new heights.Shared Risk: In the high-stakes business game, an equity loan means the risk is shared. If your venture goes south, you're not holding the entire bag.Long-term Investment: Equity investors are in it for the long haul. They don't expect immediate returns, which gives your business the breathing room it needs to grow at its own pace.

Cons of Equity Business Loans

Loss of Ownership: Equity financing essentially sells a piece of your business pie. So, yes, you'll have to share your profits and decision-making power.Time-Consuming: Finding the right investors can be a painstaking, time-consuming process. They'll want to dive deep into all aspects of your business before they open their chequebooks.Potential Conflict: More cooks in the kitchen can sometimes lead to conflict. Differences in strategic decisions, business values, or operational tactics can spark disagreements between you and your investors.

Equity business loans can pump the fuel your business needs to soar high but be prepared for potential turbulence. 

Now, let's fasten our seat belts and prepare for landing as we delve into how to secure one of these coveted equity business loans.

Where to Find the Best Equity Business Loan in Australia?

Say 'g'day' to Max Funding, your one-stop-shop for Equity Business Loans in Australia. 

We know you've been on a wild goose chase on the internet, trawling through countless websites, hoping to find a life jacket in the choppy waters of business financing. 

You've been knocking on bank doors, only to be met with 'REJECTED' signs citing stiff requirements and auto-reply rejection emails. 

Well mate, your search ends here.

Max Funding is like the friendly neighbour in the Aussie outback, always ready to lend a hand, or in this case, the funds your business needs to hit the big time. 

Say goodbye to hoops and hello to hassle-free applications with Max Funding. 

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The best part?

We understand that not all businesses are the same, so we offer tailored solutions that fit your needs like a glove. 

Now you can sit back, crack open a cold one, and watch Max Funding pave the way for your business's next chapter.

Why Choose Max Funding for Your Equity Business Loan?

Let's dive into why Max Funding should be your go-to choice for securing an equity business loan in Australia.

Easy Application Process

Just three steps - usually takes 5 minutes.
low interest

Low Interest Rate

As low as 1.50% per month. Save interest by paying your loan off early.
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No Collateral

Keep your assets secure. Unsecured business loans are available.

$142,546,168 Funded

We've assisted many Australian businesses with millions in funding.

8,596+ Businesses Funded

We're dedicated to assisting business owners with their financial needs.

Friendly Lending Specialists

Expect fast, courteous service from our dedicated team.
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Australian Owned & Operated

We're local, just like you. We understand your problems and tailor loans just for you.

Safe and Secure

Your data is protected with advanced encryption technology.
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Dedicated to Small Businesses

We're a small business too. We understand and support your needs.

Rave Reviews

We're not just tooting our own horn here.

Flexible Terms

Tailored solutions that meet your needs.
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No Credit Check

Don't worry about your credit history.

Hear It Straight From Our Rockstar Clients: The Max Funding Review Encore!

Our customers have left glowing reviews about their experiences with Max Funding. They can't stop singing our praises, not just because we have a catchy tune.

Our easy application process, quick approvals, and friendly service have generated a symphony of satisfied customers. Whether it's the butcher, the baker, or the app maker, businesses across Australia are giving us a resounding thumbs up.
"Fast and Efficient!"

“I secured an equity business loan worth $50,000 from Max Funding for my bakery business. The application process was a breeze, and within a day, the funds were transferred to my account. Now, that's what I call fast and efficient.”
John Baxter
Baxter's Bakery, Food Industry

"Impressive Service" 

“At Miller's Tech Solutions, we needed a quick influx of capital to meet growing demands. Max Funding came through for us! We got a loan of $75,000. The application was ridiculously quick, and before we knew it, we had the funds transferred to us.”

Sarah Miller
Miller's Tech Solutions, IT Industry

"Reliable and Speedy"

“When I applied for an equity business loan of $100,000 from Max Funding for my construction business, I was astounded by the promptness of their service. The application process was straightforward, and the funds were transferred quickly. Max Funding, you're the real deal.”

Robert Smith
Smith's Construction, Construction Industry

FAQs about Equity Business Loans

How long does the equity business loans application process take?
Our hassle-free application process for equity business loan requires only just 3 minutes to complete.
How does an equity business loan work?
Equity business loans involves the securing of an asset used as collateral by the borrower, in return for capital funds from the lender.
How long does it take to receive funds once a loan has been approved?
If your loan application passes our easy-to-be-eligible criteria, after verification is successful and contract is signed, funds can be transferred to your account within just 24 hours.

Equity Business Loans up to $350,000

Fast, simple and no fees

Bad credit? OK! New business? OK!
Decision in five minutes An alternative to banks
David Test V5
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