Business Loans - Sparrow Loans

Business Loans

Secured business loans to match your business needs

When banks say NO, we say YES!

  • Rates fr. 6.5% p.a.
  • Approval in days, not weeks
  • Access up to $2.5 million in funding to improve business cash flow




Applying for a business loan shouldn’t be complicated – apply online & have approval in only 48 hours from Australia’s best private lender!

Bridging loans - sparrow loans

Bridging Loans

Buying an investment property and need funds fast? Is settlement looming, and your bank is dragging its feet? We will help you settle quickly with our fast turnaround bridging loans.
Commercial Property Loans - sparrow loans

Small Business Loans

Need money for your small business to get through tough times? Struggling to pay debts, bills, wages & business expenses? Get approval for your loan within 48 hours.
Property Backed Business Loans - sparrow loans

Commercial Loans

Are you struggling with everyday cash flow issues with your business? We are here to help. You can consolidate, grow and sustain your business with our fast, commerrcial loans.

Are you looking for a secured business loan from a private lender with no hidden fees or hassle?

To get started you need
An ABN or ACN | At least 12 months in business | Australian based

Other business loan products

Sparrow Loans specialises in small business loans for business throughout Sydney, Melbourne and Brisbane, but we also offer a range of other loan products to help your business grow. In most cases, we can have your loan approved in 48 hours. Call us on 1800 258 374 to see how we can arrange your business financing.

Why choose Sparrow Loans?

We believe in your business and help you when you need it most.

Sparrow Loans is your private lending partner that keeps you’re business going. With our 48 hour turnaround time and quick settlements, you can be confident that you have your funding sorted. Whether you need an urgent settlement or a lender that thinks outside the box, Sparrow Loans is the private lender for your small business. Apply online to access funds for business growth and help improve cash flows in a fraction of the time without any hassle. We are the future of private business lending.

  • Outside the box lending solutions – Sparrow Loans looks at the viability of the transaction and exit strategy as a whole rather than a list of items to be ticked off against a static checklist. One way we do this is with our approach to the property Loan to Value Ratio. We do not penalise our borrowers for negotiating a great price on the written contract. By lending against the valuation report rather than the Contract for Sale, the great negotiators among us can continue to flourish and grow their investment portfolios.
  • No upfront commitment fees – Submitting a loan application has never been easier! At Sparrow Loans you can send us the details of the transaction and book a time to discuss your loan without any obligation to proceed with us. We will review all the details provided before we submit a Letter of Offer. Any outstanding items or special conditions of the loan will be listed in the Letter of Offer if we approve your loan. This gives you the choice of whether to proceed with our offer or not after reviewing the special conditions without committing to any upfront costs.
  • Competitive rates – Sparrow Loans offers interest rates starting from 6.5% p.a. for borrowers looking to borrow against their property for business purposes.
  • Smooth loan application process – Once you begin your application, you will have a dedicated relationship manager assigned to your loans from start to finish. They will be able to guide you through the process from application to settlement.
  • Smooth exit – Sparrow Loans are ready and poised to help you exit our loan facility without delays as we understand that timing is everything. As your lender Sparrow Loans do not charge any exit fees payable to us – there is only a small third-party cost of discharging your mortgage which is a legal fee payable to the lawyers managing the exit of the loan.
  • Flexible rollover options – If you anticipate your loan extending beyond the loan term that you originally set, Sparrow Loans are able to help you renegotiate your facility with us to avoid defaulting on the loan. We believe in working with the borrower with commercial consideration to the borrower’s business strategy when discussing any additional rollover term or extensions.
  • Flexible repayment options – Sparrow Loans offer our borrowers the option to capitalise their interest and fees, opt for interest-only loan repayment or choose a principal and interest repayment if they wish. Depending on the loan purpose, these options can help you design your loan so that it suits your business strategy.
  • Flexible loan terms – Our loan terms start from 1 month up to 12 months with additional rollover options for another 12 months. We will let you set your loan term whether it is 1 month, 12 months or anywhere in between!

Easy to apply business loans - approval in 48 hours.

Step 1

Buisness loans by Sparrow Loans
Complete our loan application form online – this takes about 5 minutes

Step 2

Buisness loans by Sparrow Loans
Get a Letter of Offer with our rates, fees & any additional information required to proceed to unconditional approval

Step 3

Buisness loans by Sparrow Loans
Receive your funds within 48 hours from unconditional approval

The Sparrow Business Loans Advantage

A smooth experience from start to finish – we’re here to help your business!


Buisness loans by Sparrow Loans


We assess your application quickly and will come back to you within 2 business days.
Buisness loans by Sparrow Loans


Whether you are a business borrower or a referral partner, you will have a dedicated relationship manager to help you through the application process.
Buisness loans by Sparrow Loans


We work hard to give you a smooth application process with clear requirements. You can be sure that our funds are ready to settle when your loan is approved.
Buisness loans - Sparrow Loans

Which businesses can Sparrow Loans help?

  • Sydney, Melbourne & Brisbane businesses that need funding fast
  • Businesses looking to clean up their credit
  • Sydney property developers that need a flexible funding partner
  • Cash poor asset-rich businesses that need an injection of money fast!
  • Tax debt relief to get the ATO off your back
  • Small businesses needing a cash flow injection; especially after lockdown
  • Specialised businesses – service stations, childcare businesses and more

Got questions? We’ve got answers.

These helpful FAQ’s are asked by some of our customers looking for a business loan, line of credit or bridging finance.

How can Sparrow Loans help my business in Sydney, Melbourne or Brisbane?

Sparrow Loans offers commercial business loans of $200,000 to $2.5M+ for eligible businesses in Sydney, Melbourne & Brisbane. Our loans can cover small businesses, tax liabilities, business expansion loans or purchasing a commercial property.

We’ve helped hundreds of SME’s with cash flow, investment in equipment, tax debts, working capital purchase inventory, site acquisitions, non-structural property improvements.

How quickly can I get my commercial business loan?

We can settle your commercial business loan within a few business days. However, the valuation turnaround is the limiting factor. We understand that your business needs the funds, so we will expedite this process as much as we can.

Do you lend money to individuals?

No, we don’t; we can only lend to companies and corporate trustees. And, these loans must predominantly be for business purposes.

What fees do you charge for your services?

The fees for our commercial business loans would be an establishment fee between 1.5% and 2.2% of the loan amount. There are valuation and legal fees involved. These are third party costs, and we will advise you of these fees upfront, so there are no surprises. Unlike other private funders who will charge commitment fees, Sparrow Loans is unique; you only pay the fee on settlement. The advantage is that if we cannot settle, you are not out of pocket, which means that this is risk-free until you accept our offer.

What is your LVR?

Our LVR is dependent on what type of property security is involved. We can lend up to 75% for residential properties, up to 70% for commercial properties. And up to 65% for DA approved sites. Most private lenders will only lend up to 65% on commercial property, and up to 60% on DA approved sites, making Sparrow Loans more competitive.

How do you approach serviceability?

It ultimately depends on the exit strategy of the business loan. If the exit strategy involves property security sale, we don’t worry about serviceability as the loan and interest will be paid on exit. If the exit strategy is not airtight, we look at the business’s free cash flow and liabilities, which means we review a 6-month trading statement, your past 2 BAS, and your statement of position (your assets and liabilities).

What interest rates do you offer?

The rates start from 6.5% for most businesses. The average rate works out between 8% and 9%, but we will discuss this with you at our first free consultation.

What are your loan terms?

Our loan terms are up to 12 months, with the capacity to roll over for an additional 12 months. Our minimum term is as little as 1 month.

What are the essential criteria of your loan assessment?

The most critical components of a loan assessment are the LVR and the borrowers capacity to repay the loan on time.

What happens if I cannot repay the business loan on time?

The best thing to do would be to tell us as soon as possible before the due date to explore other options to restructure the deal. Or we might place it with another funder that can support the loan.

How do I access my funds once my business loan is approved?

Once your business loan application is received, we’ll need to verify your details and perform any credit checks necessary. We’ll let you know about the term of the loan, monthly interest rates. Then, once your loan application is approved ( we will keep you informed every step of the way ) and your loan documentation has been signed and returned, you’ll get the cash in your bank. It’s so straightforward.

How much can I borrow for my business loan?

We provide secured property backed business loans from $200,000 to $2,500,000.

Have questions? Our friendly team is available on 1800 258 374  weekdays 9 am – 7 pm AEST

Information Hub

Browse our helpful resources for important information on lending, different types of business loans and how we can help you.

business tax debt

Implications of unpaid business tax debt obligations

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Important Details When Applying For a Business Loan

Important Details When Applying For a Business Loan

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Businesses Across Sydney, Melbourne & Brisbane Are Keeping Their Cash Flowing!

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