poppyfinance

Business loans for Melbourne businesses.

From the CBD laneways to Geelong, Ballarat and the outer suburbs, we lend to Victorian small businesses that need funds for equipment, stock, cash flow or growth.

Check eligibility Estimate repayments

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

Business loans for Melbourne businesses

Melbourne’s small business scene is known for hospitality, independent retail and creative businesses, and for its seasons. Winter can be a quieter time for many hospitality and retail businesses, while spring and summer bring events and busier trade. We look at your full-year trading pattern in your bank data and size the loan so the fixed weekly repayment is affordable in the quieter months, not just the busy ones.

We’re an online lender, so there’s no branch to visit. You apply online, connect your bank data securely and sign your loan agreement online, from anywhere in Melbourne and Victoria.

What Melbourne businesses borrow for

How it works

  1. Check eligibility. Tell us about your business in a 3-minute form. No documents and no credit check at this stage.
  2. Connect your bank. Share read-only business bank data through a secure link, so we can see how you actually trade.
  3. Review your offer. You get one summary: the loan amount, the term, your weekly repayment and the total to repay, including all fees.
  4. Get the funds. Sign online and the money is paid to your business account.

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

Other support for Victoria small businesses

The Victorian Small Business Commission provides free information and low-cost dispute resolution for Victorian businesses. Nationally, the Australian Small Business and Family Enterprise Ombudsman has guidance on finance and disputes.

Illustrative example · Melbourne café How a Melbourne café could replace its espresso machine A $40,000 loan over 12 months, repaid at $962 a week. See the example →

Common questions

Do you lend to businesses across Melbourne and Victoria?

Yes. We lend to eligible businesses right across Melbourne and Victoria, and in every other Australian state and territory.

Do I need to visit a branch?

No. Everything happens online, from the eligibility form to signing your loan agreement.

Do you lend to businesses in regional Victoria?

Yes. Because everything is online, businesses in Geelong, Ballarat, Bendigo and across regional Victoria can apply the same way.

Will checking eligibility affect my credit score?

No. Checking eligibility doesn’t involve a credit check. We’ll tell you before any credit check happens.

Related

Café and restaurant loansEquipment, fit-outs and quiet seasons. Equipment loansMachinery, tools, vehicles and technology. Retail business loansStock, fit-outs and busy seasons. Business loans AustraliaLending in every state and territory.

See what your business could borrow

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check and doesn’t commit you to anything.

Check eligibility Estimate repayments