Business Loans
Running a successful business requires the right financial support at the right time. Whether you’re launching a new venture, expanding operations, upgrading equipment, or managing cash flow, HS Finance provides tailored business loan solutions designed to help your business grow with confidence.
Our finance specialists work closely with business owners to understand their goals and match them with competitive lending options that suit their structure, timeline, and repayment capacity.
HS Finance – Business Finance Solutions
Power your business growth with smart and flexible finance options. HS Finance connects you with tailored business funding solutions designed to support expansion, cash flow, and long-term success.
Our Business Finance Options
- Working Capital Finance
- Equipment & Machinery Loans
- Expansion & Growth Funding
- Cash Flow Support
- SME & Commercial Loans
Fully-Featured Mortgage Loans
At HS Finance, we believe in keeping things clear, simple, and transparent.
Our goal is to deliver all the benefits you’d expect from a major bank, while offering competitive interest rates and minimal fees to better support our customers.
Home loan
Purchase or refinance a property for your own home or an investment
Construction Loan
Short-term loan that provides the funds to build a residential property
Bridging Loan
Consider Yard's bridging loan if you need to buy before going through the process of selling an existing property
SMSF Loan
Purchase or refinance a residential and commercial property through your Self-Managed Super Fund (SMSF)
Asset and equipment finance
Asset and equipment finance for smarter business growth
Refinancing solutions
Smart refinancing solutions to improve cash flow flexibility
Personal loans
Flexible personal loans tailored to your goals and budget needs
Commercial loans
Commercial loans designed to support business growth and investment
Get expert support to choose the right solution
With many lenders offering a wide range of business finance products — each with different structures, repayment terms, and conditions — selecting the right option can feel overwhelming. Seeking professional guidance before committing to a loan can make a significant difference. HS Finance specialists help you compare options clearly and choose funding that supports your business goals.
Choosing the right type of business funding
A business overdraft can provide flexible access to funds for short-term needs, such as covering operating gaps between invoicing and incoming payments. Overdraft facilities are often unsecured and may offer more competitive rates compared to relying on credit cards.
For larger or occasional expenses, a business equity facility may be suitable. This type of funding allows access to capital when required and is typically secured against an asset.
If you have a defined borrowing amount, a fixed-rate business loan can provide predictable repayments and budgeting certainty. Businesses with fluctuating cash flow may prefer a variable-rate option, which can offer flexibility when managing repayment commitments.
Eligibility and preparation
To qualify for business finance, lenders generally require evidence of financial stability. This includes demonstrating consistent cash flow, responsible expense management, and the ability to meet existing obligations.
Because business lending options vary widely, understanding what suits your structure and financial position is essential. HS Finance works alongside you to review your situation, explain your options, and guide you toward a funding strategy aligned with your needs.