Term Loan

Term Loan

Finance to grow and expand your business

Term Loan

Term Loan limit
up to $1 million

The GetCapital Term Loan is a convenient business finance solution of up to $1 million to support the growth and expansion of your business. Can be used for any business purpose for up to 3 years.

Flexible terms up to 3 years

No property security or financials up to $250k

Expand and grow your business

High service standards

Term loan limit

Up to $1 million

Interest rate

9.95% – 19.95% annual percentage rate


No annual fee or establishment fee.
No early repayment fees.


Up to 3 years

Minimum time in business

3 years+ (2 with property)


Weekly and monthly options

Avoid lengthy applications

All we need is a few business and personal details so we can verify you in real-time, avoiding a lengthy application. Link your bank account and we can service you on the spot.

Step 1

Get started

  • Verify your ABN, mobile and Australian ID in real time
Step 2

Link accounts

  • Link your business bank account for a fast decision
Step 3
Get funded

  • If approved, get funded within 24 hours

Frequently asked questions

What is the GetCapital Term Loan?

We can assess any business with an Australian ABN that has been trading for 3 years or more with annual turnover of at least $250,000.

How much can my business borrow?

GetCapital’s Term Loans are generally sized according to the business turnover and they range from $25,000 to $1 million.

What documents are needed to process a business loan application?

Our process is simple and can be completed online. We require a completed Application Form and 6 months of bank statements to process Term Loan applications under $250,000. For Term Loans of $250,000 or more, we also require financial statements and a snapshot of the ATO portal.

How can loan funds be used for?

Funds are deposited directly into your businesses bank account, ready to use for any business purpose typically including one-off finance needs like capital projects, expanding premises, building a second store or acquiring a larger warehouse. You choose.

How long does it take to process funds?

Once you sign the Business Loan Agreement, the funds are transferred that day and should be in your account the next morning.

Can I speak to someone about the loan if I have any questions?

Yes, our Relationship Managers are available to help you with any questions and at every step of the short and simple process. They can be reached on 1300 249 649.

What loan terms are available?

The loan term is up to 3 years.

GetCapital is a full member of the Australian Finance Industry Association (AFIA), the leading industry advocate for Australia’s finance sector.

Other business finance options

If you’re interested in other finance options for your business, explore our range of solutions below, or call us on 1300 249 649 to discuss your specific needs.

Working Capital Facility
Business Overdraft

Manage cash flow

Working Capital Facility
Working Capital Facility

For everyday business finance

Import Line of Credit
Import Line of Credit

Finance overseas supplier purchases

Contact us

1300 249 649

Before you get started

The online application should take less than 5 minutes.

Please have the following ready:


To verify your business details

Australian driver’s licence or passport number
Account details

To securely link your business bank account