Fueling Business Growth with Smart, Flexible Finance
Your Trusted Partner in Fast, Hassle Free Business Loans Across Australia
We provide fast, flexible funding to help Australian businesses grow, manage cash flow, and seize new opportunities without the red tape.
Fast, Flexible, and Focused on Small Business Success
Who We Are
Arc Business Loans is a modern lending partner helping small and medium Australian businesses access the capital they need quickly and without the hassle. We focus on speed, clarity, and trust to ensure you grow on your terms.
Unsecured Small Business Loans
No collateral required, just confidence in your potential.
Secured Small Business Loans
Bigger funding powered by your assets.
Merchant Cash Advance
Flexible repayments based on daily card sales.
Invoice Financing
Turn unpaid invoices into fast access working capital.
Business Line of Credit
Flexible access to capital when you need it, only pay for what you use.
Equipment Loans
Finance the machinery or tech your business needs to stay competitive.
What Makes Us Different
Lending That’s Human, Honest, and Hassle-Free
At Arc Business Loans, we do more than provide funding. We simplify the entire process for Australian business owners. Our lightning fast application process means you can apply in minutes and get funded in as little as 24 hours. You will always deal with real people who understand your goals, not bots or scripts.
- Transparent, no hidden fee structures
- Personalised service from start to finish
- Expert support whenever you need guidance
- Fast and simple applications
- Flexible repayment options that match your cash flow
Our Mission
Fuel Ambition, Finance Growth
At Arc Business Loans, our mission is simple: to put working capital in the hands of the small business owners who need it most. We believe funding should be fast, fair, and built on belief in your potential, not just your paperwork. Our goal is to empower entrepreneurs across Australia to grow, hire, invest, and build without delay or red tape.
We back ideas. We back momentum. We back you.
Our Values
The Principles That Power Arc Business Loans
At Arc Business Loans, our values shape every decision we make. We believe in doing what’s right, keeping things clear, and always putting small businesses first. Our focus is on transparency, offering funding without hidden fees or confusing terms. We prioritise speed and simplicity so you can act quickly when opportunities arise.
We understand the challenges small businesses face and treat every client with respect. More than just lenders, we are long-term partners committed to your ongoing success. We value relationships built on trust, not just one-time transactions.
Our Journey
From Local Startup to National Support Partner
Arc Business Loans was founded with a simple vision: to make business funding faster, fairer, and more accessible for everyday entrepreneurs. We saw how traditional lenders made it hard for small business owners to grow, and we knew there had to be a better way.
Starting as a local operation, we built our services around real needs: speed, flexibility, and transparency. From day one, we have focused on helping small businesses move forward, not get stuck in paperwork. Over time, we have supported thousands of clients across Australia, helping them hire teams, expand operations, and bring big ideas to life.
Every milestone we reach is shared with the businesses we back. We grow as our clients grow, and that is the journey we are proud to be on.
Ready to Grow Your Business?
Your Vision Deserves the Right Funding Partner
Join thousands of Australians who trust Arc Business Loans to power their next chapter.
Frequently Asked Questions
Everything You Need to Know About Arc Business Loans
Got questions? We’ve got answers! Here are some of the most common queries about our business loan solutions at Arc Business Finance.
What is Arc Business Loans and how do you support small businesses in Australia?
Arc Business Loans is a modern financial services company dedicated to providing fast, flexible, and transparent lending solutions for small and medium-sized businesses across Australia. We offer a wide range of business finance options, including unsecured small business loans, secured loans, merchant cash advances, and invoice financing. Our goal is to remove the traditional barriers that small business owners face when applying for funding. By focusing on your business potential, not just paperwork, Arc Business Loans helps you grow with confidence and clarity.
How is Arc Business Loans different from traditional banks?
Unlike traditional banks that often have long approval times, complex requirements, and rigid lending criteria, Arc Business Loans offers a streamlined application process, flexible funding terms, and fast approvals. We prioritise accessibility and simplicity, making it easier for small businesses to get the capital they need without unnecessary delays or red tape. Our team is made up of real people who understand small business needs, providing personal support at every step.
Who can apply for a loan from Arc Business Loans?
Any small or medium-sized business operating in Australia with a valid ABN and at least three months of trading history can apply for funding through Arc Business Loans. Whether you are a startup, a growing enterprise, or an established company looking to scale, we have solutions tailored to your stage and sector. We welcome applications from sole traders, partnerships, companies, and trusts across a variety of industries.
How fast can I get approved with Arc Business Loans?
Arc Business Loans is known for fast funding. In many cases, our clients receive approval within 24 hours of submitting their application. Once approved, funds can be disbursed as quickly as the next business day. We have built our systems to prioritise speed without compromising on clarity or customer care. This makes Arc Business Loans a reliable partner when you need capital urgently.
Are there hidden fees or charges with Arc Business Loans?
No. Transparency is one of the core values of Arc Business Loans. We clearly outline all costs, terms, and repayment details upfront. There are no hidden fees, no surprise charges, and no complicated jargon. Before you sign any agreement, you will have a complete understanding of your obligations and the cost of the loan. This honesty is part of what makes Arc Business Loans a trusted lender for small businesses.
What Our Clients Say
Real Businesses, Real Success Stories
At Arc Business Finance, we take pride in helping businesses achieve their financial goals. Here’s what our satisfied clients have to say about their experience:
As the owner of a small café in Melbourne, I had always believed in growing slowly and cautiously. But when the opportunity came to expand into a second location, I needed fast and reliable financial support. That is when I found Arc Business Loans. Unlike the banks, they did not treat me like a number. From the first call, they were professional, warm, and genuinely interested in my business. They offered me an unsecured loan with flexible terms that made it easy to manage repayments. What impressed me most was how transparent they were about costs, timelines, and expectations. Arc Business Loans made the entire experience smooth and empowering. I am now in my second location, with increased revenue and a more confident outlook, thanks to them.
After a rough quarter, our working capital was tight. We needed cash to restock inventory before the holiday rush. Getting an unsecured small business loan from Arc Business Loans was a game changer. It was fast, didn’t require collateral, and let us respond to customer demand right on time. This type of unsecured small business loan gave me peace of mind and financial breathing room, all without jumping through hoops or offering up business property.
As a café owner, I’ve always relied on traditional lenders, but the paperwork and wait times were too much. Arc Business Loans offered me an unsecured small business loan that didn’t tie up my equipment or property. I used the funds to renovate our space, add more seating, and hire part-time staff. The best part? I kept full control of my business. The unsecured small business loan helped us hit new revenue highs without the typical financing headaches.
We needed to invest in our online store, but all of our capital was tied up. I came across Arc Business Loans and applied for an unsecured small business loan. To my surprise, the approval came the same day and I didn’t have to provide any assets as security. This unsecured small business loan helped me upgrade our eCommerce platform, improve shipping logistics, and market more aggressively. We saw a 30 percent increase in online sales in just three months.
When you’re a startup founder, access to funding is everything. I didn’t have any assets to offer, but Arc Business Loans looked at the strength of my business and gave me an unsecured small business loan based on my cash flow. I used it to onboard new clients, build out systems, and stay ahead of competitors. The flexibility and speed of the unsecured small business loan were unmatched, and it kept me in control of every decision.
Running a mobile auto-repair service means I need to be constantly upgrading my gear and staying on top of customer demand. I couldn’t afford to wait weeks for funding or put my van up as collateral. Arc Business Loans offered an unsecured small business loan that was approved within 24 hours. I expanded my fleet, brought in another technician, and haven’t looked back. This unsecured small business loan helped me scale with zero stress and zero asset risk.
