Commercial business loans - sparrow loans

Lending that
keeps your business going.

Apply over the phone or online and get approved within 2 days!


Choose the right business loan for you

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

Commercial Property Loans

Need to release equity from your commercial property? Or have you found a great investment opportunity? We will help you manage your commercial property portfolio with our tailored commercial property loans.
Property Backed Business Loans - sparrow loans

Secured Business 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, small business loans.

Other 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 lending partner that keeps you 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 lender for you. Check out our loans and see for yourself!

Easy to apply. Simple as 1, 2, 3 and get a decision within 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 Loans Advantage

A smooth experience from start to finish.

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

Who can Sparrow Loans help?

  • Sydney, Melbourne & Brisbane businesses that need funding fast
  • Business looking to clean up their credit
  • Sydney property developers that need a flexible funding partner
  • Cash poor asset-rich businesses
  • Tax debt relief
  • Specialised businesses – service stations, childcare businesses and more

Frequently Asked Questions for Business Loans

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

How can Sparrow Loans help my business in Sydney?

Sparrow Loans offers commercial business loans of $250,000 to $2.5M+ for eligible businesses throughout Australia. Our loans can cover small businesses, tax liabilities, business expansion loans or purchasing a commercial property.

We’ve helped hundreds of Australian businesses 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 7.5% 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 critical 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 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.

Information Hub

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

Small Business Australia and ATO Tax Debt

Small Business Australia and ATO Tax Debt

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Business Lending Options - what's the best for you?

Business Lending Options – what’s the best for you?

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