poppyfinance

Business loans for Sydney businesses.

From Parramatta to the Northern Beaches and out to Western Sydney, we lend to small businesses that need funds for stock, equipment, cash flow or growth.

Check eligibility Estimate repayments

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

Business loans for Sydney businesses

Sydney is Australia’s largest business economy, and its costs are some of the highest in the country. Commercial rents, wages and stock all take a bigger bite, which makes steady cash flow even more important. A short-term loan can bridge the gap when a supplier bill, a new contract or a busy season arrives before the income does.

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 Greater Sydney and New South Wales.

What Sydney businesses borrow for

  • Hospitality and food production: cafés, restaurants, bakeries and caterers supplying Sydney’s dining scene. See café and restaurant loans.
  • Trades and construction: equipment and cash flow for tradies working on residential and commercial projects. See tradie loans.
  • Professional and health services: fit-outs and growth for clinics and practices. See medical practice loans.
  • Retail: stock and fit-outs for independent shops. See retail business loans.

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 New South Wales small businesses

The NSW Small Business Commissioner offers free information, mediation for disputes and resources for NSW businesses. Nationally, the Australian Small Business and Family Enterprise Ombudsman can help with disputes and has guidance on finance. Your accountant is also a good first call before you borrow.

Illustrative example · Sydney bakery How a Sydney wholesale bakery could fund a second oven for a new contract A broker-referred $150,000 unsecured loan over 12 months. See the example →

Common questions

Do you lend to businesses across Greater Sydney and New South Wales?

Yes. We lend to eligible businesses right across Greater Sydney and New South Wales, 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 work with Sydney finance brokers?

Yes. Brokers can refer clients through our broker partner program.

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. Tradie loansVans, tools and new contracts. Unsecured business loansBorrow without offering property as security. 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