LoanCheck — Smarter loans. Better outcomes.

The market, in full

Every loan type. Every major lender.

We track live rates and lending policies right across the Australian market — so you see the real options, not a shortlist someone paid to put in front of you.

Comparing 80+ lenders — live rates updated continuously

NAB Business

Unsecured loan

Rate drop Unlock with LoanCheck

ANZ

Secured loan

New offer Unlock with LoanCheck

Prospa

Line of credit

Rate cut Unlock with LoanCheck

Moula

Unsecured loan

New offer Unlock with LoanCheck

Westpac

Secured loan

Lower rate Unlock with LoanCheck

Lumi

Unsecured loan

New rate Unlock with LoanCheck

NAB Business

Unsecured loan

Rate drop Unlock with LoanCheck

ANZ

Secured loan

New offer Unlock with LoanCheck

Prospa

Line of credit

Rate cut Unlock with LoanCheck

Moula

Unsecured loan

New offer Unlock with LoanCheck

Westpac

Secured loan

Lower rate Unlock with LoanCheck

Lumi

Unsecured loan

New rate Unlock with LoanCheck

NAB Business

Equipment finance

Rate drop Unlock with LoanCheck

Zip Business

Line of credit

New offer Unlock with LoanCheck

Banjo

Unsecured loan

Rate cut Unlock with LoanCheck

Shift

Line of credit

New offer Unlock with LoanCheck

Bizcap

Unsecured loan

Lower rate Unlock with LoanCheck

NAB Business

Equipment finance

New rate Unlock with LoanCheck

Zip Business

Line of credit

Rate drop Unlock with LoanCheck

Banjo

Unsecured loan

New offer Unlock with LoanCheck

Shift

Line of credit

Rate cut Unlock with LoanCheck

Bizcap

Unsecured loan

New offer Unlock with LoanCheck

About Us

A smarter way to compare business loans and unlock better outcomes. Fast, free and 100% online.

Lenders on panel

80+

Bank and non-bank lenders compared side by side, in one place.

Cost to compare

100%

Free to compare across every lender on our panel — no fees, no catch.

Fastest funding

6 hrs

Fastest time to funding for qualifying businesses after approval.

Businesses helped

4,000+

Helped to compare their options and secure better funding.

Nationwide

Backing Australian business, coast to coast.

From Perth to Brisbane, thousands of businesses use LoanCheck to compare the whole market and get matched with the right lender — in minutes, not weeks.

80+

Lenders on panel

4,000+

Businesses funded

6 hrs

Fastest settlement

Retailer · SydneyMatched — Business Loan $150,000

Cafe · MelbourneFunded today $85,000

Tradie · PerthApproved — 11.9% p.a. $40,000

Why LoanCheck

Everything you need, in one place

Most comparison sites just push you toward rates. We change what those rates actually are — because we know the whole market in real time.

Live rate spread · 80+ lenders

Unlock with LoanCheck

What sets us apart

The whole market, working for you

Three reasons businesses check with us before they borrow.

Real-time lender policies

We study and update every lender's policies as they change — so you get the most accurate rate across the whole market, and never get sold at the highest rate a lender could charge.

Hundreds of lenders, no credit checks

We view and pair you with hundreds of lenders at once, so you never rack up multiple credit enquiries shopping around. Everything we do is done without touching your credit score.

Instant answers, same day

Everything runs instantly, so the information you need is ready the moment you need it — same day, same hour. No callbacks, no waiting for a broker to get back to you.

12.9%8.4%

The true rate, not the sticker rate

See the real rate you'd actually get, checked live against every lender's current policy.

Soft check · 0 impact

Zero impact on your credit file

Compare hundreds of lenders in one soft check — no multiple enquiries, no score damage.

Matched in 8s

Answers in seconds, funding same-day

Run a check and get matched instantly, with qualifying businesses funded the same day.

How it works

Compare. Choose. Grow.

From "what can I get?" to funded — without the guesswork.

About your business 45 seconds

How much do you need?

$150,000

Monthly revenue

$60,000 – $100,000

What's it for?

Working capitalEquipmentExpansionStock

Time trading

2+ years

12 lenders matched Live rates

Scanning 80+ lenders…

Business loan

Unsecured · up to $500k

10.5% p.a.

Business loan

Unsecured · up to $300k

16.0% p.a.

Line of credit

Draw as you need · up to $200k

20.0% p.a.

Matched from our panel of 80+ lenders

You're funded

Settled with your matched lender — same day

Loan amount$150,000

Your rate10.5% p.a.

Term3 years

Time to settle6 hours

We compare 80+ lenders so you don't overpay

Real rates, no guesswork

Business loan rates, published.

Most lenders make you apply before they'll tell you a rate. We publish ours up front — what you qualify for comes down to how long you've traded, your turnover and your credit profile.

3+ years trading

10.5% p.a.

Borrow up to $500k · terms to 60 months

Our lowest rate

2+ years trading

16.0% p.a.

Borrow up to $300k · terms to 36 months

1+ year trading

20.0% p.a.

Borrow up to $200k · terms to 24 months

Trading under a year?

We fund businesses from 3 months old, and we consider impaired credit. See every tier and what your business qualifies for.

See all rates

Rates shown are indicative and start from the figures above for well-qualified businesses. Your actual rate is confirmed on assessment. LoanCheck is a comparison service, not a lender.

Instant match

Instant matches. Your credit score never touched.

Checking your options is a soft look only. We match you against every lender's live criteria in seconds — and your credit file stays exactly where it is, until you choose to proceed.

Soft check only — zero impact on your credit score
Matched against 80+ lenders in seconds
No obligation, no cost, no chasing callbacks

Check My Options

Your matches Soft check only

NAB Business

Unsecured · $150k

Unlock

Prospa

Line of credit · $150k

Unlock

Moula

Unsecured · $150k

Unlock

Live on the platform

The market, tracked in real time

Real numbers from the LoanCheck platform — updated continuously as businesses compare and get funded.

Live

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Loan checks run every day

0

Lenders tracked in real time

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In funding matched

Live

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Australian businesses helped

Real reviews

Proof is in the payoff.

Our clients get better deals, save real money, and tell their mates.

Excellent 4.9 out of 5 Trustpilot

Saved us 3.1% on our rate

Had an offer from our own bank locked in. LoanCheck put four lenders side by side in under a minute and one came back sharper. Refinanced the same week.

DR

Daniel R.

Café group · VIC

Funded in six hours

Needed stock finance fast before a big season. Compared options in the morning, approved and settled by that afternoon. Could not have been easier.

AK

Amir K.

Retail · NSW

Finally saw the full market

I had no idea how many lenders I actually qualified for. Seeing them all in one table made the choice obvious — and cheaper than what my accountant found.

PN

Priya N.

Wholesale · SA

LoanCheck vs the rest

Why not just go direct — or use a broker?

Because a single lender only shows you their rate, and a broker only works a limited panel. Here's the difference.

loancheck.

Going direct

A broker

Rates across every lender, not just the first you see

Limited panel

Best real-time rates checked for you

Sometimes

No credit-score impact to compare

Varies

You never pay us — completely free

N/A

May charge a fee

FAQ

Questions? We've got answers

Will checking my options affect my credit score?

No. Checking your eligibility with LoanCheck is a soft enquiry only — it never impacts your credit score. A hard check happens only if you choose to proceed with a specific lender.

How long does it really take?

Seeing your matched lenders takes about 45 seconds. Qualifying businesses can be funded in as little as 6 hours from approval.

What do I need to get started?

Just a few basic details about your business — no documents required to see your options. Your chosen lender will tell you exactly what they need to finalise.

Does it cost anything?

No. Checking your options across all 80+ lenders is completely free with no obligation to accept anything.

Which lenders do you work with?

We compare 80+ Australian business lenders — from major banks to specialist and fast-settlement providers — so you see the full picture in one place.

Insights & guides