1024x520 Barber 1x
Personal loans Business loans

Business loans

Start growing your business.

Won't affect your credit score
Our latest awards
MostInnovativeCompanies Logo RGB Primary v2
Finder Award Highly Commended RGB
Best Excellent Credit Personal Loan 8
Frame 149137

Borrow up to $70K with a small business loan

Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.

Time icon v15
FAST CASH

Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.
Business icon v8
LESS PAPERWORK

A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.
Unsecured house icon v3
DON’T RISK ASSETS

All our personal loans are unsecured, so you don’t have to put up your home, car, or other property as security.

What our customers say

5.0 speedy, professional service, and helpful to customers, thanks Harmoney.

achiles australia
5.0 So quick and professional australia
5.0 This is my second time getting a loan through Harmoney and once again the process has been simple and stress free. They’ve taken such a weight of my shoulders enabling me to get a loan and I am grateful. australia
5.0 Quick and simple process australia
5.0 Prompt and professional australia
5.0 Harmony were very professional and made this application very easy, australia
5.0 Awesome company to lend money from .. such a simple process .. thank you so much. australia
5.0 Quick and simple australia
5.0 Quick professional and smart australia
5.0 Process was simple. australia
5.0 So simple and easy australia
5.0 Simple and easy to use australia
5.0 Easy and simple way to access loan with great benefits and financial independence australia
5.0 Simple and easy to use australia
5.0 Simple, easy and they gave me options australia
4.8/5

4.8 overall rating

Simple, 100% online

1. Get to know you

Tell us about the business loan you want, then details about yourself and your finances.
2. Get your quote

Your quote will include your loan terms, interest rate, borrowing limit and repayments.
3. Get your money

If you’re happy with your loan offer, all we need is some final details, and you should get the money within 24 hours.

What we offer

$2K - $70K
Loan limits
3, 5 or 7 years
Loan terms
$275 or $575
Establishment fee
$0
Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Fixed rates from 5.76%² (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Accelerate your business growth

Give your business a cash injection where it counts with a cashflow loan.

Personalised rates icon v28
PERSONALISED RATE

We’ll give you a fair interest rate on your loan based on your credit assessment.
Repayments icon v11
NO EARLY REPAYMENT PENALTIES

If you pay off your business loan ahead of time, we won’t charge a fee.
100 online icon v16
100% ONLINE – 24/7

Get a quote in minutes in minutes from home or the office.

Grow your business today

Apply for a small business loan and achieve your business goals.

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
Customer service m wide min v3