Business loans & ATO debt finance.
Business loans, lines of credit, overdrafts, capital raising and ATO debt. Finance built around your cash flow, so the business can keep moving.
- 30+ five star reviews
- 60+ lenders compared
- No credit file impact to enquire
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See what you could be approved for.
Overview
Finance that fits how you'll use it.
Cash flow gaps, a tax bill that's grown faster than expected, or an opportunity that needs funding now. Business lending covers a lot of ground, and the right option depends on your trading history, security and how quickly you need the funds.
Hayden compares secured and unsecured options across 60+ lenders, talks you through the trade offs and manages the application through to funding.
What we can finance
- Paying down ATO debt
- Working capital and cash flow
- Business overdrafts
- Business lines of credit
- Raising capital against vehicles or equipment you own
- Stock and inventory purchases
- Fit outs and business equipment
- Business expansion and new locations
- Business acquisitions and franchise buy ins
Loan options
How it can be structured.
- 01
Unsecured business loan
No property or asset security needed. Usually faster to arrange, typically with shorter terms.
- 02
Secured business loan
Secured against property or business assets, which can open up larger amounts and longer terms.
- 03
Overdraft or line of credit
A limit to draw on when you need it, paying interest only on what you use. An overdraft sits on your business account, while a line of credit is a separate facility you can draw, repay and draw again. Ideal for cash flow, stock and seasonal costs.
- 04
Capital raise
Unlock cash tied up in vehicles or equipment your business already owns, to fund growth, stock or working capital.
What lenders look at
Every lender weighs these differently. That's why comparing across 60+ of them matters.
- Time in business and ABN/GST history
- Business bank statements and turnover
- Business and personal credit history
- ATO position and any payment plans
- Security available, if any
How it works
Three steps. One broker.
No surprises. Nothing goes to a lender until you're happy to go ahead.
- 01
Tell us what you're looking to finance
ATO debt, cash flow, a line of credit or capital to grow. Tell us what the funds are for and roughly how much you need.
- 2 minute quote
- No impact on your credit file
- 02
We compare suitable options suited to you
Hayden compares secured and unsecured options across 60+ lenders and talks you through the trade offs.
- Secured or unsecured
- Low doc options
- 03
Approval, documents and funding
Application and documents managed through to funding, so the money lands where your business needs it.
- Fast turnaround
- Managed through to funding
Reviews
30+ five star reviews
- $3,100 Average saved per deal vs bank or dealer
- 93% Approval rate
- 24 hrs Most deals approved within
What clients say
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Hayden has been amazing to work with, always onto everything straight away. I've worked with him twice in the last 6 months and is always motivated to have everything completed for you in a timely manner. For example my last request was approved and sorted within 24 hours also with a lender that was more suited to my needs. Always easy to talk to and work with and very professional. Will be working with him more in the future.
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Thank you for all your support and patience to answer my queries and work on my quote and make it happen. I found you with immense knowledge on the subject and too professional to match the competitive pricing for my benefit.
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I was very happy with the service you provided. Your communication was excellent throughout the entire process. I would definitely recommend you to others.
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Hayden and the team did an excellent job organising a car loan for our business. The turnaround was fast, communication was clear, and everything was handled efficiently with no fuss. It made the whole process easy for us. Highly recommend their service.
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Always there to help with my finance from start to finish. Quick and easy process. I highly recommend.
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Couldn't recommend Hayden enough! He was fantastic throughout the entire process - fast, reliable and thorough with every detail to make sure we achieved the best possible result. One thing we really appreciated was how accommodating Hayden was with our work schedules, often making himself available for chats after hours when needed. What stood out to us most was his honesty. He was always upfront, explained everything clearly and there were no hidden surprises along the way. An absolute pleasure to deal with and someone we would highly recommend to anyone looking for someone reliable and trustworthy. We will definitely be using Hayden for all of our future finance needs.
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I had a great experience with Hayden from start to finish. The dealer had a 'special rate' for the month and Hayden still managed to beat it and structure the deal properly for me. Everything was super quick and stress free. Would highly recommend to anyone looking to get finance done correctly.
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Hayden has helped me on numerous occasions and has been very easy to work with. He has made it much easier for myself. His communication is second to none. He has had finance settled within 24 hours at the best rate possible. He has been very professional throughout both applications and I would highly recommend going through Hayden to get exactly what you're after. Will definitely be working with Hayden again.
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I honestly can't recommend Hayden enough, he was absolutely amazing throughout the entire process. Hayden was so patient and took the time to explain everything to a T, making sure I genuinely understood the loan and all the details involved. He was always responsive, easy to reach, and never once made me feel rushed or pressured. What really stood out to me was that at no point did I feel condescended. I felt completely comfortable asking any question, even the ones I thought might be "stupid." He answered everything with such clarity and respect. His candour and professionalism were outstanding, and you can really tell he cares about making sure his clients feel confident and informed. I'm so grateful for his help and wouldn't hesitate to recommend him to anyone looking for loan assistance.
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Hayden moved super quick and made the whole process hassle free. I called Hayden at 11am and I pick up my Ute the next day. Will be using his service again.
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Excellent service, great rates for my Land Cruiser 300 series. Highly recommend
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I had an excellent experience with Hayden. He helped me secure finance for my Ute and made the whole process incredibly smooth and quick. His communication was clear, his rates were very competitive, and he was completely honest throughout the process. Highly recommend Hayden if you're looking for a reliable and professional broker.
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Unreal to deal with made the whole process a dream would recommend to anyone that is looking for finance
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Thanks to this legend of a bloke. Hayden has made it so easy for me to get behind the wheel weapon. Kids and I are so stoked. Thanks mate.
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I recently used Hayden for a loan, and I couldn't be more impressed with the service. The application process was super straightforward and user friendly. I was able to submit everything quickly, and the approval process was really fast. What really stood out was the customer service. They were responsive, friendly, and always ready to answer my questions. They made sure I fully understood the terms of the loan and helped me pick the best option for my needs. The loan itself has great terms, and I felt confident that I was making a smart financial decision. If you're looking for a reliable and easy way to get a loan, I highly recommend Hayden. They made the process simple, stress free, and I'm really grateful for their support throughout!
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Thanks for everything mate. Thanks for making it so seamless, it was a bloody good experience to deal with someone who's just one of the boys. Well done, I'll definitely be recommending you and using your services again.
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Thank you for sorting out the finance for the car. I just wanted to pass a complimentary note on the professional level of customer service with documentation, conversations and follow up, we felt confident with the way you walked us through the process. Should we need to look at future finance we would certainly consider your services and would recommend your services to anyone looking for finance.
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Thank you for all your assistance through this journey. I will be referring your services to others. You made it extremely easy.
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Excellent service and easy to deal with. Highly recommend
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Very reasonable and reliable
FAQs
ATO Debt & Business Loan, answered.
Still have a question?
Talk to Hayden directly. No call centre, no obligation.
01 Can I get a loan to pay off ATO debt?
Yes. Some lenders will refinance ATO debt, which can help you move off a payment plan. Eligibility depends on your trading history and the size of the debt.
02 How quickly can business funds be available?
Some unsecured options can fund quickly once approved. Secured loans usually take longer because of the extra checks involved.
03 Do I need property as security?
Not always. Unsecured options are available for eligible businesses, though secured loans may offer larger amounts or longer terms.
04 What is a capital raise?
A capital raise lets you borrow against vehicles or equipment your business already owns, freeing up cash for growth, stock or cash flow without selling the assets. How much you can raise depends on the value of the assets and your situation.
05 What's the difference between an overdraft and a business loan?
A business loan gives you a lump sum with set repayments. An overdraft gives you a limit you can draw on and repay as needed, and you only pay interest on what you use, which suits businesses with uneven cash flow.
06 What's the difference between a line of credit and an overdraft?
Both give you a limit to draw on, and you generally only pay interest on what you use. An overdraft is usually attached to your business transaction account, while a line of credit is a separate facility you draw funds from as needed. Which suits you depends on how your cash flow moves.
07 Can I apply if I've only been trading for a short time?
Some lenders consider newer businesses, though most prefer a trading history. Comparing lenders helps find those suited to where you are.
Your broker
Hey, I'm Hayden.
Founder & Director, Fund 360
No call centres, no being passed around. From first enquiry to settlement, you deal directly with Hayden.
Free, no obligation quote. No impact on your credit file.