small business loans - sparrow loans

Small business loans

Fast & Easy Approval Process!

  • From 6.5% p.a.
  • Within 48 Hours
  • NSW, VIC, QLD

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Hassle-free small business loans in less than 48 hours!

We are a big believer in truly helping small businesses get through tough times. With COVID, lockdowns and an uncertain future, the team at Sparrow Loans is here to provide extra cash to help your small business with a variety of loan options.
That’s why Sydney, Melbourne and Brisbane small businesses turn to Sparrow Loans to provide funds to get them out of tight cash flow situations. And why we’re known as one of Australia’s trusted and preferred private lenders to small businesses.


What could your small business use the extra cash for right now?

  • Manage your cash flow
  • Buy stock or inventory
  • Office fit-out or renovations
  • Help tradies buy tools
  • Pay the rent or wages
  • ATO bill
  • Snap up a great deal
  • Buy a commercial property

The Sparrow Loans Advantage

A smooth experience from start to finish with zero risks for all small business loans!

Buisness loans by Sparrow Loans

Fast & Efficient

Once we have your loan application ( which takes less than 5 minutes and is online ), we will quickly review it and have approval back to you in less than 48 hours. For small business owners, our responsive turnaround times allows you to plan for the future.
Buisness loans by Sparrow Loans

Right by your side

Managing a small business can be challenging, and arranging a loan can be more complex, which is why you have your loan specialists right by your side throughout the loan process. Plus, we are contactable all the time and never go missing in action.
Buisness loans by Sparrow Loans

Trusted

We work hard to give you a smooth application process with precise requirements. As a result, once your loan is approved, you will quickly have the cash in your account. Our hassle-free process means you can rest easy knowing that you are dealing with trusted small business loan experts that have been helping Aussie businesses for years.

Key Features for our Small Business Loans

  • 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

Are you a small business owner needing extra working capital with no hidden fees, surprises or hassle?

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

THE FUTURE OF SMALL BUSINESS LOANS – Simple. Fast. Fair

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

We take the hard work, stress and hassle out of getting your Small Business Loan.

Knowing that you have the right finance and extra cash at your disposal could be the difference between thriving or dying when you’re in business. 2021 has been a super-tough year for all Aussie businesses, with state government lockdowns placing small business owners in a situation where they find themselves needing extra cash to pay for daily business expenses, debts and bills.

And no one is better placed to understand your needs than another small business owner like the team at Sparrow Loans.

We have been providing short term business loans to small businesses throughout Australia for years and have help businesses get through sticky situations where their cash flow has dried up.

Buisness loans - Sparrow Loans
  • Flexible repayment options for small business

Our flexible repayment options allow you to capitalise all costs into your loan facility, not affecting your small business current cash flow and planning. You can use our property-backed small business loans to finance your Capital Expenditure as well. If you have any upgrades, renovations, fit-outs, nasty bills, creditors hassling your daily or non-structural improvements on the horizon, Sparrow Loans are ready to help.

  • Choose your loan term

Whether you need a loan for one month or 12 months, we give you the flexibility to choose your loan term. Your company must be at least 12 months old to access our property-backed short term business loans. You must register for GST and domiciled in Australia with Australian directors. We lend against property located in New South Wales, Victoria and Queensland. We can consider property in metro locations up to 75% LVR and regional locations up to 65% LVR.

Small Business Loans - apply in 3 easy steps

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
APPLY NOW

Small Business Loan 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

Small Business Loans FAQ’s

Have a question about our small business loans? See some of our most common FAQ’s many customers ask us.

How much can my small business borrow?

We can provide small business loans for Australian businesses from $250,000 to $2,000,000.

What documents are needed to process a small business loan application.

The process for a small business loan is simple and super-fast and can be completed online in less than 5 minutes. Simply complete the small business loan application form and submit 6 months of bank statements.

What happens if I can't make my repayments?

If there has been a downturn in your small 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

How quick does it take to get my small business loan approved?

The small business 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.

Who do I deal with at Sparrow Loans?

We will allocate you a dedicated account manager who will hold your hand throughout the entire process and is contactable to answer any questions you might have.

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.

Can a bad credit rating affect my small business loan approval?

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.

Can I make additional repayments off my small buisness loan?

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

What documents are needed for small business loans?

We generally ask for Identification documents, Statement of Position for the borrowing entity and the Directors (list of Assets & Liabilities), evidence or support for the Loan Purpose, most recent 6  months’ trading statements, a snapshot of their ATO portal, a summary of the Exit Strategy in writing, and any supporting information as relevant – for example, lease agreements, Contract for Sale, Options Agreements, Development Application Approvals, Occupancy Certificates, Financials, Management Accounts, Accountant Letters, Affidavits, etc – these are case by case. I don’t want to list all of these though in case they might scare some people away as I don’t need this full suite of documents for all deals – perhaps use some of them as examples and mention that we may need others depending on your loan purpose. I say this as I also may require additional documents depending on the nuances of the deal. For example, for a business that is heavily dependent on one customer, I may ask to review the contract with that customer to assess the exit clauses.

Tell me about the Sparrow Small Business Loan?

Sparrow offers Small Business Loans of $250,000 to $2M with terms between 112 months that are all secured against an asset such as your property.

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