poppyOne online process, wherever you are
Poppy is an online lender. You check your eligibility in about 3 minutes, connect your business bank data through a secure link and sign your loan agreement online. There’s no branch to visit and no need to be near a capital city.
Where we lend
Business loans in New South Wales
We lend to eligible businesses in Sydney, Newcastle, Wollongong, the Central Coast and regional NSW. Hospitality, trades, professional services and food production are all big parts of the NSW small business economy.
Business loans in Victoria
We lend to eligible businesses in Melbourne, Geelong, Ballarat, Bendigo and regional Victoria. Cafés, independent retail and online stores are a big part of Victoria’s small business scene, along with trades in Melbourne’s growth corridors.
Business loans in Queensland
We lend to eligible businesses in Brisbane, the Gold Coast, the Sunshine Coast, Townsville and Cairns. Trades, construction, tourism, hospitality and beauty businesses are all strong in Queensland.
Business loans in Western Australia
We lend to eligible businesses in Perth, Mandurah, Bunbury and regional WA. Resource-linked services and trades are a big part of the economy, and retailers often manage longer shipping times.
Business loans in South Australia
We lend to eligible businesses in Adelaide, the Barossa, the Adelaide Hills and regional SA. Health services, food and wine, and manufacturing are all important to the state’s economy.
Business loans in Tasmania
We lend to eligible businesses in Hobart, Launceston, Devonport and across the state. Tourism, hospitality and food producers, many with strong seasonal patterns. Business Tasmania offers free support for Tasmanian businesses.
Business loans in Australian Capital Territory
We lend to eligible businesses in Canberra and surrounds. Professional services, hospitality and health practices are common across Canberra.
Business loans in Northern Territory
We lend to eligible businesses in Darwin, Alice Springs and across the Territory. Tourism, trades and services are common, often with a strong wet and dry season pattern.
New Zealand
We also lend to registered businesses in New Zealand, with the same online process.
Who can apply
- A registered business in Australia (with an ABN) or New Zealand (with an NZBN)
- Trading for 6 months or more
- Around $10,000 or more in monthly sales
- A business bank account with regular deposits we can see
- The loan is for a business purpose, not personal or household spending