About us
About Just Business Loans
We do one thing. Business loans. And we try to make the paperwork part as short as your situation allows.
Plenty of good businesses can't produce a neat folder of financials on demand. The tax return is with the accountant. The BAS went in late last quarter. The business has grown faster than the bookkeeping. None of that means the business can't borrow. It means it needs a lender that looks at something other than a stack of statements.
Just Business Loans exists for those owners. We explain, in plain words, what each paperwork level asks for, which one fits the documents you actually have, and what you'll need to gather. Then one person works with you to find a lender that fits.
Who we help
- Sole traders, tradies and contractors with an active ABN.
- Self-employed people whose income doesn't fit a payslip-shaped box.
- Small companies and partnerships that need money now and have books that will catch up later.
- Owners with property equity who want the paperwork kept to a minimum.
What we can help arrange
- Unsecured, cash flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
- Property-backed business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat loans over residential or commercial property).
- Past credit issues and ATO debt considered case by case.
- Business purposes only.
What we promise
No credit check to ask
Asking what's possible leaves your credit file alone. A credit check only happens if you decide to go ahead with an application.
Not sprayed to a list
Your details don't get blasted to a dozen lenders. One person looks at your situation and picks the lender that fits it.
One real person
Someone who understands business lending reads your enquiry and calls you. Fill in the form accurately and the first answer you get is one that can actually happen.
How we write this site
Each page answers one question properly: what a loan is, who it suits, what you'll be asked for and what can go wrong. We don't publish interest rates, because business loans are priced on each borrower's situation and a headline figure would be wrong for most readers. Examples are illustrative, with made-up businesses and round numbers. Where a page relies on official rules, it links to the ATO, ASIC, business.gov.au or another government source.
Nothing here is financial, tax or legal advice. It's general information to help you understand your options before you talk to a lender, your accountant or a lawyer.
Who we are
Just Business Loans is operated by Company Cash Pty Ltd (ABN 88 673 762 297), trading as Just Business Loans. The quickest way to reach us is the enquiry form, which goes straight to a real person.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Not sprayed to a list
One real person