Term Loan
Finance to grow and expand your business
Term Loan limit
up to $750,000
Flexible terms up to 3 years
No property security or financials up to $250k
Convenient redraw option
High service standards
Term loan limit
Up to $750,000
Interest rate
9.95% – 19.95% annual percentage rate
Fees
No annual fee or establishment fee.
No early repayment fees.
Term
Up to 3 years
Minimum time in business
3 years+ (2 with property)
Repayments
Weekly and monthly options
Avoid lengthy applications
Get started in just a few minutes with our real-time response process. All we need is a few business and personal details to verify you in real-time, avoiding a lengthy application. Link your bank data and you can be approved on the spot.

STEP ONE
Get started
- Verify your ABN, mobile and Australian ID in real time

STEP TWO
Link accounts
- Link your business bank account for a fast decision

STEP THREE
- 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 $750,000.
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 $150,000. For Term Loans of $150,000 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.
Can I access extra funds if I need to during the loan term?
Yes. After 15 weeks you can take advantage of our convenient Term Loan redraw feature, subject to a simple assessment.
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.
Business Overdraft
Manage cash flow
Working Capital Facility
For everyday business finance
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:
ABN
To verify your business details
ID
Account details
To securely link your business bank account