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Small Business Lender Review - GetCapital


GetCapital are award-winning business lenders who provides business finance to Australian small businesses in a wide range of industries, including retail, wholesale, manufacturing, professional services, food and beverage, technology, automotive and more.

They offer flexible business loans from $5,000 to $500,000, with a convenient redraw feature, a fast, online application process and the possibility of funding within 24 hours.

As well as a proprietary online process that allows fast and efficient processing of small business loans, they have a team of dedicated Relationship Managers to support Australian small businesses.


  • Short-term loan you can use for any business purpose
  • $5,000 and $500,000 sized according to your business turnover
  • Weekly repayments
  • Fast application – funds could be in your account within 24 hours of approval
  • Access to additional funds after 15 weeks (subject to credit assessment)
  • Access up to $100,000 without providing financial statements


Name GetCapital Flexible Business Loan
Min Loan Amount $5,000
Max. Loan Amount $500,000 (sized according to your business turnover)
Minimum Loan Term 6 months
Maximum Loan Term 24 months
Loan Security Unsecured
Repayments Weekly

Qualification criteria

Type Criteria
Minimum turnover $10,000 per month
Minimum trading period 9 months


The interest rate you pay on your GetCapital Flexible Business Loan will be calculated based on a number of factors including the perceived risk level and the amount and term of the loan. See all business loan option interest rates.

GetCapital offer flat pricing for qualifying businesses – see the following example.

Description Value
Loan Amount $40,000
Loan Term 12 Months
Drawdown Fee (2%) $1000
Total Interest $4,176
Direct Debit Fees $200.20 (52 x $3,85 pw)
Total Costs $5,376.20

In addition to the interest you’ll pay on your loan you’ll be charged an establishment fee for setting up the facility (2% of the drawdown amount), plus weekly direct debit fees of $3.85. If you default on your payments you will also have to pay additional fees and penalties.

How to apply

GetCapital uses a proprietary online process – you can apply online here in just a few minutes and get a credit decision within 24 hours. They also have a team of Relationship Managers to help you choose the best finance option and guide you through the application process.

For loans up to $100,000 you’ll only need to provide basic personal and business information and 6 months’ bank statements. For loans over $100,000 you’ll also need to supply financial statements and a snapshot of the ATO portal.

Once your application is approved funds will be transferred to you the next day.

How Does GetCapital Compare?

Lender Product Term Loan Range Interest Type Fees Security Repayments
GetCapital Business Lender Logo GetCapital Flexible Business Loan 6 – 24 Months $5k – $500k Percentage 2% Draw down fee, plus $3.85 direct debt fee per week Unsecured Weekly
MaxFunding Business Lender Logo Max Funding Business Loan 1 – 36 Months $2k – $1m From 1.5% per month Fees are laid out in loan agreement Secured or Unsecured Weekly or tailored
Prospa Business Lender Logo Prospa Business Loan 3 – 24 Months $5k – $300k Simple interest rate Establishment fee No asset required up to $100k Weekly or fortnightly
Spotcap Business Lender Logo Spot On Business Loan 1 – 24 Months $10k – $250k Percentage, but only on balance drawn Drawn on fee (% of credit limit) Unsecured Weekly, fortnightly or monthly
Businessloans Business Lender Logo Flexible Business Loan 6 – 24 Months $5k – $500k From 0.87% per month 2% Draw down fee, plus $3.85 direct debt fee per week Unsecured Weekly
Ondeck Business Lender Logo OnDeck Small Business Loan 6 – 24 Months $10k – $250k Percentage Establishment fee of 2.5% Unsecured Daily or weekly
Moula Business Lender Logo Moula Business Loan 6 – 12 Months $5k – $250k 0.75% to 2% per fortnight None Unsecured Fortnightly
Beyond Merchant Capital Business Lender Logo Beyond Merchant Capital Unsecured Business Loan 9 – 12 Months $10k – $500k Factor Rate None Unsecured Daily or weekly
Business Fuel Business Lender Logo Business Fuel Business Loan 3 – 18 Months $5k – $250k Factor Rate None Secured or Unsecured Weekly or monthly

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