poppyfinance

Business loans that grow with you.

Short-term small business loans for Australian and New Zealand businesses. Fixed weekly repayments, with the full cost shown before you sign.

Check eligibility See how it works

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check.

How it works

Our tech does the paperwork, so you spend minutes on this, not days.

  1. Check eligibility

    Tell us about your business with the short form below. No documents yet.

  2. Connect your bank

    Securely share read-only bank data so we can see how you actually trade.

  3. Review your offer

    If it’s a fit, you get one clear summary: the loan amount, the term, your weekly repayment and the total to repay.

  4. Get funded

    Sign online and the funds are paid to your business account.

Repayments you can plan around

Your loan is repaid in equal weekly amounts by direct debit over a fixed term, from 3 to 24 months. The repayment is the same every week, so you always know what’s going out and when the loan will be paid off.

The total you repay, including all fees, is set in your loan agreement before you sign.

  • One fixed weekly repayment for the whole term
  • No surprise fees added later
  • Repay early if your business is flying (ask us how this works for your loan)
Example: repayments over eight weeks Bar chart where weekly sales go up and down, but the weekly loan repayment stays the same amount every week. Wk 1 Wk 2 Wk 3 Wk 4 Wk 5 Wk 6 Wk 7 Wk 8
Illustration only. Your repayment amount and term are set in your loan offer.

Is Poppy right for you?

We’d rather tell you early than waste your time.

Usually a good fit

  • Registered business in Australia or New Zealand
  • Trading for 6 months or more
  • Around $10,000 or more in monthly sales
  • Regular card or bank deposits we can see
  • Funding for a clear business purpose: stock, equipment, a cash flow gap, growth

Probably not for you

  • Personal, household or investment purposes. We only fund businesses.
  • Businesses that haven’t started trading yet
  • Paying off other short-term business funding you’re struggling to repay
  • Cash flow so uneven that a fixed weekly repayment would be hard to meet
  • If a lower-cost option like a bank overdraft is available to you, compare it first

Small business loans for every kind of business

Whatever you need the money for, wherever you are in Australia.

By need

By industry

By location

Check your eligibility

Tell us a little about your business. We’ll review it and email you the next step.

  • No documents needed yet
  • No credit check to submit this form
  • No obligation to go ahead

Where is your business based?

Poppy Finance collects these details to assess whether our funding may suit your business and to contact you about your enquiry. We may share them with service providers who help us do that. If you don’t provide them, we can’t assess your enquiry. Our Privacy Policy explains how to access or correct your information and how to make a complaint.

Submitting doesn’t commit you to anything.

Small business loan questions

What is a short-term business loan?

A lump sum paid to your business account, repaid in fixed weekly amounts over a set term of 3 to 24 months. It’s designed for business needs like stock, equipment, a cash flow gap or growth, rather than long-term borrowing.

Do I need to offer property as security?

Usually not. Our loans are generally unsecured, which means you don’t need to put up property. We normally ask the business’s directors to sign a personal guarantee. Your offer will set out exactly what’s required before you sign.

How much does it cost?

The cost depends on your business, the loan amount and the term. Before you sign, you get a summary showing the loan amount, your weekly repayment and the total you’ll repay, including all fees.

Will checking my eligibility affect my credit score?

Submitting the form on this page doesn’t involve a credit check. If you choose to continue, we’ll tell you before any credit check happens as part of a full assessment.

What will I need to provide?

For a full assessment we usually need your business details, your ABN or NZBN, photo ID for the business owners, and read-only access to your business bank account data.

How long does it take?

The form takes about 3 minutes. Once we have your bank data, we aim to give you an answer quickly. Funds are paid after you sign your agreement.

Can I repay early?

Yes. Ask us before you sign and we’ll explain how early repayment works for your loan, including any saving or fee, so there are no surprises.

Do you fund businesses in New Zealand?

Yes. We fund registered businesses in both Australia and New Zealand.