Property backed business loans - Sparrow Loans

Commercial Loan Products

Need funds fast?

  • From 6.5% p.a.
  • Fast approvals with 48 hours
  • When banks say no, we say YES!


If you need funds fast Sparrow Loans has a range of Commercial Loan Products to get your business out of a tough situation.

Suppose your business is going through some tough times and you need extra cash to pay those essential bills, buy a property, or a piece of capital equipment. In that case, our range of commercial loan products is available to help you expand your business. Sparrow Loans has a range of commercial secured loan products for commercial property loans, commercial bridging loans, tax debt business loans, debt consolidation business loans, working capital business loans and short term business loans.

The Sparrow Loans Product Advantage

A smooth experience from start to finish with super-fast turnaround times and loan approval within 48 hours!

Buisness loans by Sparrow Loans

Fast & responsive

Once we receive your online application you will have approval within 48 hours, that's how quick we are.
Buisness loans by Sparrow Loans

Full support

Whether you are a business borrower or a referral partner, you will have a dedicated relationship manager to help you through the application process. We ensure your updated continuously on the status of your loan products and will offer advice on what's the best loan product for your business and current financial situation.
Buisness loans by Sparrow Loans


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

Commercial Loan Products Key Features

  • Interest Rates from 6.5% p.a.
  • Up to 75% LVR
  • No minimum term
  • No application or commitment fees
  • Approval within 2 business days
  • NSW, VIC & QLD Property accepted
  • Flexible Repayments available
  • Quick-release of funds

Our Commercial Loan Products


Business Lifecycle Stages - a beginners guide

Cash flow solutions for Australian businesses

Whether your a small business looking for a small business loan or perhaps a large company wanting to consolidate debts or get some bridging finance we have the suite of commercial secured loan products perfect for your business.

Many business owners all have the same story to tell, they’ve tried to get finance from the major banks, but banks either don’t approve them or make it too complicated a process.

If it’s a quick commercial business loan you’re after, you won’t be able to get this from a bank. In many cases, it can take weeks, and at the end of this process, they are likely to decline your application, a complete waste of time, effort and missed business opportunities.

With Sparrow Loans, it’s possible to get approved in just 48 hours!

Also, unlike a bank, our application process is super simple and is 100% online, which means you don’t need to spend hours collating paperwork.

Pros and Cons of Working Capital Loans

Business Loan Products that work for you

Apply for a business loan in less than 5 minutes online and get a decision within 48 hours.

  • Help with cash flow : Access working capital quickly to keep your business running smoothly during hard times.
  • Buy stock & inventory: Scale up your business with new tools, machinery, inventory, or equipment.

  • Pay for overheads: Pay business operating costs, including staff, rent, creditors utilities, and other outstanding debts.

  • Repay debt: Business debt consolidation into one easy manageable loan.

Apply in 3 easy steps for any of our Commercial Loan Products

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 2 to 3 business days from unconditional approval

Commercial Loan Product Requirements

  • Current ABN
  • Current Australian business address
  • Registered for GST
  • All directors and owners of the business to be Australia-based
  • Must be in business for at least 12 months
  • Property security
  • Loan Serviceability (if the interest is not capitalised within the loan facility)
  • Clear exit strategy

Commercial Loan Products FAQ’s

See some questions our lenders get asked all the time about the range of commercial loan products. Have more questions? Call us anytime on 1800 254 374.

What happens if I can't make my repayments?

If there has been a downturn in your business, recent lockdowns affected your cashflows or you find that you are unable to make one of your upcoming repayment obligations please call us at Sparrow Loans on 1800 258 374 and we will discuss alternative options available for you. We are very understanding when it comes to loan defaults and will try to work out a viable win-win situation

Can I make additional repayments off my commercial loan products?

To arrange additional repayments on any of your loan products, please contact Ulrika Lobo at Sparrow Loans on 1800 258 374.

How quick does it take to get my commercial loan approved?

The commercial loan process is very fast. In fact, in most cases, you can have your loan approved within 48 hours. If there are any hiccups or issues with your loan application we will immediately let you know and try to speed the process up for you.

What happens if I have a bad credit rating?

Bad credit ratings can be an issue if you want to lend money from a bank but at Sparrow Loans we overlook a poor credit history if you want to borrow money from our range of secured loan products.

Who do I deal with at Sparrow Loans?

We will allocate you a dedicated account manager but in most cases, you will be working with Ulrika our loan specialist.

How is Sparrow Loans different from a traditional bank?

The significant difference between Sparrow Loans and one of the traditional banks is that we can get your loan approved within 48 hours, whereas a bank may take weeks. Plus, the majority of business loan applications get declined by banks.

Unlike a traditional business loan, we’ve also eliminated the fine print, hidden fees, and complex paperwork. Instead, your dedicated loan specialist will handle most of the paperwork for you eliminating hassles, headaches and long wait times, which means you are kept up to date the whole time and know exactly where you stand with any loan product.

We’re here to help grow your business, not put hurdles or roadblocks in the way.

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