Back your business with the right funding.

Growth, stock, staff, a quiet quarter. Whatever the need, the difference between good and bad business finance is enormous. We’ll find funding that fits how your business actually runs.

★★★★★ 5.0 on Google Free service, paid by the lender 90+ lenders compared
photo: cafe or shop owner opening for the day
24–48h

is a realistic approval window for many unsecured business loans when the paperwork is right.

Funding that matches the need.

Different problems need different products. Here’s the toolkit we draw from.

Working Capital

Smooth the cash flow

Overdrafts and lines of credit that flex with your cycle, so a slow month never becomes a crisis.

Growth

Fund the next step

Term loans for expansion, fit-outs, acquisitions or that big contract you need capacity to serve.

Unsecured

No property? No problem

Unsecured lenders assess your trading history and cash flow instead of bricks and mortar. Faster, though rates reflect it.

Invoices

Unlock your invoices

Invoice finance turns money you’re owed into money you have, without waiting 30, 60 or 90 days.

From need to funded, in four steps.

1

Tell us what you need

A quick, friendly chat about what you’re financing, your timeline, and the budget you have in mind.

2

We compare your options

We research lenders across the market and come back with a shortlist that genuinely fits, with honest pros and cons.

3

We arrange it all

Application, paperwork, approvals. We handle the lot and keep you posted at every stage.

4

Ongoing support

We stay in touch after settlement and keep checking that your finance still works as your situation changes.

What locals say on Google.

5.0 ★★★★★ from Google reviews
A
Adam R.
★★★★★

James and the team at NFIS have been extremely helpful with navigating the various options and opportunities with becoming a first home owner. Would definitely recommend.

D
Des H.
★★★★★

James was extremely helpful and guided us through the whole process from start to finish. Would highly recommend James and his team for any of your financial needs.

P
The Pini Family
★★★★★

As always James and the team have done amazing such a great experience and so nice having someone be able to explain things in terms my husband and I can understand. Beyond happy with our service.

S
Surbhi C.
★★★★★

James is extremely helpful and got our work done in no time and effectively. Thanks!

S
Steve C.
★★★★★

James and the team have been fantastic in organising my finances. They recently helped refinance my home loan to a much better rate, found excellent options for my personal insurance, and my superannuation is now growing rapidly.

M
Mehrab M.
★★★★★

We are very grateful to be guided by James who within a short period of time understood our needs and implemented a plan which provided the best outcome for our family.

Business lending questions we hear all the time.

What do lenders want to see?+

Trading history, bank statements, and sometimes financials or BAS. Generally 6–12 months of clean trading opens plenty of doors.

Secured or unsecured, which is better?+

Secured is cheaper, unsecured is faster and keeps your property out of it. The right answer depends on the purpose and the timeline.

Can a new business get finance?+

It’s harder but not impossible, especially with a strong industry background or contracts in hand. We’ll tell you honestly what’s realistic.

Will I need to guarantee the loan personally?+

For most small business lending, yes, a director’s guarantee is standard. We’ll make sure you understand exactly what it means before you sign.

Business needs a push? Let’s talk funding.

Tell us what you’re trying to do and we’ll come back with the realistic options, usually within a day.

Or skip all of this and call James directly on 0405 069 441.