Business Term Loan
Capital You Can Plan Around
Fixed-rate, fully amortizing financing over 3–5 years with consistent monthly payments. Same day decisioning and funding
Product overview
A practical funding solution that gives your business certainty and structure. Our Business Term Loan provides up to $500,000 in working capital, repaid in regular instalments over 3 to 5 years. With predictable repayments that amortise to zero, you'll know exactly where you stand — no surprises, just steady progress toward owning your success.
Benefits of our Business Term Loan
See how a business term loan could benefit your business
Easy online application and instant decision
Apply online with just 6 months of bank statements and receive a decision within hours, not days.
Fast access to funds
Access your funds instantly on a business day once approved, with same-day settlement available.
Flexible loan amounts
Borrow from $10,000 up to $500,000 for property owners, with terms from 3 to 5 years.
Predictable weekly or monthly repayments
Fixed weekly or monthly payments that amortise to zero, making budgeting simple and predictable.
Use funds for multiple purposes
Refinance debt (including ATO), expand your business, purchase equipment, or boost working capital.
Broker-friendly service
Transparent pricing and introducer-friendly commissions for brokers partnering with in2capital.
Rates & Fees
Our competitive rates are tailored to your business needs and financial position
| Property Owner | Non-Property Owner | |
|---|---|---|
| Loan Amount | Up to $500k | Up to $100k |
| Interest Rate | From 14.95% p.a. | From 19.95% p.a. |
| Loan Term | 3 to 5 years | 3 years |
| Frequency | Fixed monthly | Fixed weekly |
| Repayment Type | Amortising | Amortising |
Rates are subject to credit assessment and may vary based on loan amount, term, and borrower profile. All rates quoted are annual percentage rates (APR).
Eligibility
Check if you meet the requirements for an in2capital Business Term Loan
Borrower Type
Be over the age of 18
Repayments
Min $10,000 in monthly sales
History
You must have a clear credit history
Income Verification
Provide bank statements using our easy, secure Experian Bankstatements link
ABN Age
You must have a valid ABN for at least 12 months GST registration
Security
Provide an Australian Drivers License and for property owners a rates notice
Help & support
Same-day settlement may be available subject to security requirements
Ready to apply?
Apply online for a business mortgage or speak with one of our business lending specialists.
Apply now