Business Finance
BUSINESS FINANCEFOR AUSTRALIAN OPERATORS.
Working capital, cashflow, invoice finance and asset-backed lending for your ABN. One simple application, 40+ lenders, real options.
- Fast Decisions
- Access to 40+ Lenders
- Simple Application
- No Obligation & No Impact to Your Credit Score
Business Finance
Beyond vehicles and equipment, businesses need funding for cashflow, stock, seasonal demand and growth. Our lender panel covers unsecured business loans, invoice finance, trade finance, working capital lines and asset-backed facilities, alongside our core equipment and vehicle products.
Common facilities: unsecured business loans, business overdrafts, invoice finance, trade finance, secured commercial loans and cashflow lending. Tell us your scenario and we'll match you to the right lender.
Quick Eligibility Check
Let's find the right finance for your business.
Takes under 2 minutes. No credit check. Won't affect your credit score.
A Smarter WayTo Finance Your Business
Wide Lender Panel
Access to 40+ lenders
Fast Turnarounds
Get a response quickly
Flexible Solutions
Chattel mortgage, finance lease & more
Tailored to You
We find the right fit for your business
Our Process
Finance without the headaches.
Apply
Complete our 2-minute application. No credit check.
Match
We check your scenario across our 40+ commercial lender panel.
Approve
Get approved fast, often same-day, with clear terms up front.
Settle
Funds released to your supplier. You get to work.
Ready to get funded?
Under 2 minutes. No credit check. Same-day approvals possible.
Reviews From Clients We've Helped
Trusted by Australian businesses.
"I had the pleasure of working with James for financing business equipment. Knowledgeable, professional and truly understood my needs. His responsiveness and dedication made the entire process seamless and stress-free."
"Amazing to deal with. Efficient, knowledgeable and made the entire car finance process stress-free. We were approved within a day, which was way faster than we expected with a great outcome. Highly recommend."
"Andy is amazing at what he does. He helped me get the loan I required for my car so easily and quickly. Easy to communicate with and kept me updated every step. 100% recommend if you want a simple and easy stress-free process."
"Andy helped me with my latest vehicle purchase. Went above and beyond sorting every last detail. Even when I was dealing with a poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of finance."
"Andy was a pleasure to work with and kept us updated at all times. Highly recommend."
"Matty was professional, knowledgeable and incredibly easy to deal with. He kept me updated every step of the way and made the whole process smooth and stress-free. Genuinely felt like he had my best interests at heart."
"Worked with Andy Ruyl from Rivercity Finance to secure a car loan. Professional, friendly and always approachable. His knowledge and expertise made the whole process smooth and stress-free. Highly recommend."
"Great business to work with. Process made extremely easy with regular contact and a no-pressure approach. Worked with me to get the car I wanted and all the options I wanted. Will be first contact on future finance."
"Andy is an absolute legend, helped me get my dream car with no stress or problems. Super easy to chat to. 10/10 in my book. Absolutely recommending him to friends and family."
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"Was an absolute pleasure dealing with Andy in the purchase of a 2020 Raptor. I had quite a complex situation and Andy was able to be the go-between with myself and the dealer to successfully secure my dream car. Would absolutely recommend."
"Andy has 5 star reviews because Andy is amazing. From the first phone call to the last text message, it has been an extraordinary experience in the most positive way. Quick, easy and hassle-free. Attention to detail, warm, engaging, friendly. Will recommend him to everyone."
"Excellent service in comparison to multiple other brokers I spoke to. The process was smooth and easy and I would highly recommend Andy and the team."
"We had an incredible experience with Andy, very genuine guy. Helped us with a smooth process for a new business vehicle. His communication was excellent, keeping us informed every step of the way. He's an expert in his field. Worked out a great deal for us."
"Andy, top bloke. Finance for a work vehicle made not just easy but enjoyable. Was able to have a laugh and general chat whilst staying professional. Never felt like a number, more a friend. 100% any future finance will be heading to Rivercity Finance."
"I had such a great experience with Andy guiding me and talking me through all of the details of my car loan. He got me the best deal, followed up with the car dealer and the communication was on point all along."
"Had begun finance elsewhere until I came across Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands. Fast, quick response. Excellent communication. Will definitely be return customers."
"Came across this company through Google and the next morning after a 3 minute chat Andy had got me a better rate than I could find after a lengthy search. Kept me in the loop through every stage. Top job mate."
"If I could give James 10 stars I would. Best broker I have ever dealt with. Solid effort and painless as possible. Right onto things, doesn't stuff you around and always returns your calls."
Under 2 minutes, no credit check, no obligation.
FAQ
Common questions.
How much can I finance?
From $20,000 up to $500,000 and beyond, depending on your business profile, trading history and the asset type. Larger facilities available on request.
Do you help new ABNs?
Yes. While many lenders prefer 3+ months of ABN history, we work with lenders who fund newer businesses. Complete the form and we'll match you to the right lender.
What documents do I need?
Low-doc scenarios often only need your ABN, GST registration and 3 months of bank statements. Larger deals may require BAS, tax returns or financial statements, but we'll only ask for what your lender actually needs.
How fast can I be funded?
Many clients receive same-day or next-day approval. Once approved, funds are typically released to the supplier within 24 hours of documents being signed.
Will this affect my credit score?
No. Our initial eligibility check has zero impact on your credit score. A credit enquiry only occurs when you formally proceed with a chosen lender.
Can I finance a private-sale asset?
Yes, we work with lenders who fund dealer sales, private sales and auction purchases. Different lenders have different rules, and we'll match you accordingly.
Do you refinance existing assets?
Yes. Refinancing existing commercial assets to release equity or improve cashflow is common, just select "refinancing" on the form.
Are you a lender?
No, we're a finance introducer. We shop your scenario across 40+ commercial lenders to find the best fit for your business. You deal with one team, not many.
Not sure if you qualify?
Take our 60-second eligibility check. No credit impact.