Keep your business moving

Opportunities and unexpected costs can pop up when you’re running a business. Having access to extra funds may give you more choices. That’s why we assist Australian businesses to find loans of $5,000 to $300,000 with funding possible in 24 hours, and cash flow friendly repayments*.

Check our qualifying criteria

If your business has a turnover of more than $6,000 per month and can demonstrate 6 months of continuous trading for a newly started business, or 3 months of continuous trading if you've purchased an existing business, GraysFinance can help you find a business loan that suits your needs*.


Fast. Easy. Efficient. Small Business Finance.

Part of the Eclipx Group

Loan amounts from $5,000 to $300,000
Terms from 3 to 12 months
Quick application process
Response within hours
Fast funding for approved loans
Dedicated account manager

Approved applicants only. Business customers only. Credit criteria, terms and conditions, fees and charges apply.


About GraysFinance

GraysFinance is a division of GraysOnline, the largest industrial and commercial online auction business in Australasia. GraysOnline auctions over $600m p/annum. of industrial, consumer and commercial goods, direct from manufacturers and distributors.

We offer our buyers great value and convenience and our vendors an efficient sales channel to unlock value from their assets. Our online selling platform and commitment to first-class customer service mean you can trust us to make buying and selling easy, efficient, fair and transparent.

We believe that GraysFinance is an extension of these values and can offer our customers the same easy and efficient way to help them to find funding for their business or latest new business idea.

For nearly 100 years, GraysOnline has helped buyers and sellers connect. From our first livestock auction in Goulburn, NSW in 1922 to moving our auctions online in 2000 we have demonstrated the experience and expertise to deliver. GraysOnline is a member of Eclipx Group, an ASX-listed diversified financial services company.


How do I apply?

Applying is easy and fast. Simply click the 'submit' button after completing the online form and a member of our team will be in contact with you to discuss next steps.

How fast will I get a response?

You could get a response within an hour if you apply during standard business hours (9-5 AEST).

How fast will I get the approved funding?

We know growing your business is important, so if you apply before 4pm on a business day and your application is approved, you could have the approved funds in your nominated bank account on the same (or next) business day depending on your bank.

How much can I borrow?

If your application is approved, the loan limit will be determined by considering your application and various factors (including, for example, the health of your business). A variety of factors determine the health of your business and based on this information, you may be able to borrow a loan amount of up to $300,000, if approved.

What is the cost of a loan?

The funder doesn’t charge an interest rate because loan terms are generally less than 12 months. Instead, a factor rate is applied. A factor rate is expressed as a decimal figure not a percent. It varies based on your industry, how long you’ve been in business, the health of your cash flow and other factors. When a factor rate is used, interest is charged on the principal when the loan is originated, it doesn’t compound.

What are the fees?

There are no hidden fees or charges.

There is an establishment fee charged to the loan balance at origination and late payment or default fees may be payable for late payment.

These will be detailed in your loan schedule.

Is there any penalty for early repayment?

There are no fees for early repayment of the loan and no balloon payment at the end of your loan. There is total transparency about the total amount due and the date of the final payment.