If your business or company needs loans for working capital, investment, equipment or short-term funding, our consultants can help you get what you need.

If your business or company needs loans for working capital, investment, equipment or short-term funding, our consultants can help you get what you need.
Small business & start-up can experience issues securing funding for growth. Flexible options and with minimal documentation are available. Just Budget is here to support your enquiry and application all the way.
Short-term business loans are a great option when the unexpected happens. With 3-24 month repayment terms, rapid processing & deposit, you'll receive funding fast when you need it.
Banks typically request a lot of documents. This process can take time, and is impossible for a start-up! We are more flexible. Our low doc loans provide hassle-free finance with less documentation.
Business bridging loans work by providing fast finance while waiting for other conditions. A bridge loan is a short-term loan that's used until larger or longer-term financing can be organised.
A bad credit score shouldn’t hold you back from getting a business loan. Bad credit loans may have higher interest rates however, they are a good option if you need funding and the banks say no.
Business owners may have multiple debts. Simplify your debt with a consolidation loan. Rather than paying bills with multiple interest-rates, consolidate your debts into 1, easy to manage payment.
Running a successful enterprise is always challenging. When you need extra financial support, Just Budget business loans could make the difference.
Are you are a business start-up in need of a boost, or are you an existing company looking for a helping hand? Business loans are a fantastic opportunity.
From recruitment to marketing, to new office space, business loans are versatile and designed to suit your businesses individual needs.
Business finance involves injecting cash into your business in order to help you to survive/grow. Business loans exist to provide the financial backing that you need and might not have the capability to provide yourself.
No two businesses are the same and for that reason, Just Budget always provide a tailored service unique to your needs.
Whether you are after a bad credit business loan, a low doc business loan or a self-employed loan, we are here to provide solutions. Unlike the banks, we don’t require huge stacks of paperwork from you.
Whenever applying for any kind of loan, it is always important to make sure of the following:
Never get a business loan that you cannot afford to pay back.
Each time you apply for credit, it shows up on your credit file as a ‘Credit Enquiry’.
Always have a clear plan of how much you actually need to borrow. We can help.
Whatever you need a business loan for, we can help. We offer fast and flexible business loans with competitive rates. Our team cares and will always tailer the options to best suit you. Our team are each specialists in their field and will always do their best to find a suitable solution for you.
Prior to a business loan application, there are some simple steps to take that will increase your chances of a successful outcome. Steps like preparing a strong business plan, knowing the true status of your financial circumstances, and choosing the right type of loan.
Even if your accountant takes care of your reporting and documents, you do need a basic understanding of your financial situation.
If you prepare a cash flow statement, you will get an overview of your financial status including current income, net profit, expenses and future projections.
To get a better understanding of your situation and business goals, most lenders will need to look over your business plan before approving a loan. If you don’t have one, it’s probably time to create your business plan.
One thing we cannot stress more strongly is to know your limits for finance and your repayment reality. You will need to determine if you need extra cash up-front or on a needs basis, what is the maximum you can realistically afford to repay, understand your loan to value ratio (LVR), be aware of what type of assets you have to offer if you are wanting a secured loan. Do you have someone willing to guarantee your loan if you need a guarantor? How much equity do you have? And lastly what is the maximum percentage share of your business you are willing to offer investors in order to secure funding?
After your have worked out what you need financially, it is a good idea to figure out which financial product is the right one for your business. Keep in mind the following: costs involved with the loan, interest rates, hidden charges or unusual terms and conditions.
Every loan has different tax and GST implications. It’s always a good idea to talk this over with your business adviser or accountant.
Just Budget Pty Ltd is a well respected company specialising in debt management and credit card support. Our primary goal is to remove the pressure from our clients and help Australians take back control of their finances.