Business Finance
Business Finance
Made Simple
Working capital, cashflow, invoice finance and asset-backed lending for your ABN. One simple application, 50+ lenders, real options.
Finance Eligibility Checker
Answer a few quick questions to help us understand your eligibility and match your scenario with suitable lenders.
OUR PROCESS
We make business finance simple.
From your first enquiry through to settlement, we handle the process, compare 50+ lenders and keep you updated every step of the way.
50+ Lenders
More choice. One application. We compare across our full panel so you don't have to shop around yourself.
Fast Turnarounds
Less waiting. More doing. Many clients get a decision within hours, not days.
Flexible Finance
Options to suit your needs — chattel mortgage, finance lease, low-doc scenarios and more.
Built for Business
Finance tailored to you. Sole traders, companies, trusts and partnerships — all welcome.
Takes around 60 seconds.
Business Finance
Beyond vehicles and equipment, businesses need funding for cashflow, stock, seasonal demand and growth. Our lender panel covers unsecured business loans, invoice finance, trade finance, working capital lines and asset-backed facilities, alongside our core equipment and vehicle products.
Common facilities: unsecured business loans, business overdrafts, invoice finance, trade finance, secured commercial loans and cashflow lending. Tell us your scenario and we'll match you to the right lender.
See how much your business qualifies for
Takes under 2 minutes. Won't affect your credit score.
2 minutes
online form
result today
Eligibility
Who can apply?
Rivercity Finance was built for Australian business owners with an active ABN who need commercial finance fast.
Active ABN holder
Sole trader, company, partnership or trust registered in Australia.
ABN active 3+ months
Most lenders prefer 3 months history. Newer ABNs may still qualify.
$20K to $500K+
Finance from $20,000 up to $500,000 and beyond for qualifying businesses.
Low-doc friendly
ABN, GST registration and 3 months bank statements may be all you need.
Minor credit issues OK
We match you to the right lender, not just the banks.
All commercial industries
Construction, transport, agriculture, trades, mining and more.
Reviews from clients we've helped
Trusted by Australian businesses
"Andy is amazing at what he does. He helped me get the loan I required for my car so easily and quickly. Easy to communicate with and kept me updated every step. 100% recommend if you want a simple and easy stress-free process."
"Andy helped me with my latest vehicle purchase. Went above and beyond sorting every last detail. Even when I was dealing with a poorly run dealership, Andy was in my corner fighting for me. Best person I've dealt with in any form of finance."
"We had an incredible experience with Andy, very genuine guy. Helped us with a smooth process for a new business vehicle. His communication was excellent, keeping us informed every step of the way. He's an expert in his field. Worked out a great deal for us."
"Was an absolute pleasure dealing with Andy in the purchase of a 2020 Raptor. I had quite a complex situation and Andy was able to be the go-between with myself and the dealer to successfully secure my dream car. Would absolutely recommend."
"Andy is an absolute legend, helped me get my dream car with no stress or problems. Super easy to chat to. 10/10 in my book. Absolutely recommending him to friends and family."
"Had begun finance elsewhere until I came across Rivercity Finance. Andy immediately knew he could get our business a better deal which saved us thousands. Fast, quick response. Excellent communication. Will definitely be return customers."
FAQ
Common questions
How much can I finance?
From $20,000 up to $500,000 and beyond, depending on your business profile, trading history and the asset type. Larger facilities available on request.
Do you help new ABNs?
Yes. While many lenders prefer 3+ months of ABN history, we work with lenders who fund newer businesses. Complete the form and we'll match you to the right lender.
What documents do I need?
Low-doc scenarios often only need your ABN, GST registration and 3 months of bank statements. Larger deals may require BAS, tax returns or financial statements, but we'll only ask for what your lender actually needs.
How fast can I be funded?
Many clients receive same-day or next-day approval. Once approved, funds are typically released to the supplier within 24 hours of documents being signed.
Will this affect my credit score?
No. Our initial eligibility check has zero impact on your credit score. A credit enquiry only occurs when you formally proceed with a chosen lender.
Can I finance a private-sale asset?
Yes, we work with lenders who fund dealer sales, private sales and auction purchases. Different lenders have different rules, and we'll match you accordingly.
Do you refinance existing assets?
Yes. Refinancing existing commercial assets to release equity or improve cashflow is common, just select "refinancing" on the form.
Are you a lender?
No, we're a finance introducer. We shop your scenario across 50+ commercial lenders to find the best fit for your business. You deal with one team, not many.
See how much your business qualifies for
Takes under 2 minutes. Won't affect your credit score.
2 minutes
online form
result today