Fast, easy and affordable
small business loans
Unsecured business loans from $20k to $250k
No credit check until you accept an offer.
We only need your bank statements
No financials required.
We look at what your business actually earns
We add back one-offs to see the real picture.
Context matters more than credit scores
We look deeper to approve more good businesses.
We lend to businesses others won't
Refinancing, loan stacking, imperfect credit — we've seen it all.
Same-day funding possible
Quick decisions. Fast disbursement. No messing around.
Ready to get started?
Tell us your scenario — we'll take it from there.
Get in TouchNo credit check until you accept · No obligation
How It Works
Three steps. That's it.
Submit
- BrokersRegister as a partner and receive a dedicated deal submission email
- OwnersApply directly via our Origination Form
Review & Outcome
We assess and provide an outcome, request more info, or grant conditional approval with next steps.
Finalise & Fund
KYC, loan agreement, final checks, funds disbursed. Same-day funding possible.
The Details
Loan
- $20k – $250kUnsecured
- Up to 24 months
- Weekly or monthly repayments
- No early repayment fees
Pricing
- 2% – 2.6%Per month — fixed fee on loan amount
- Simple interest
- Origination fee: 3% to 6% (capitalised)
- No early repayment fees
You Need
- $100k+ annual revenue
- 12+ months trading
- Profitable over assessed period
- GST registered (unless exempt)
Documents
- Low Doc ($20k–$150k): 6 months bank statements
- Mid Doc ($150k–$250k): 12 months bank statements, ICA statement, Property backing (not taken as security)
About Propell
Propell began its journey in 2016 as a payments and lending business, evolving over time to focus entirely on SME lending.
After listing on the ASX in 2021 and de-listing in 2025, we relaunched with a clear mission — shaped heavily by feedback from our trusted broker partners — to offer a smarter, faster, and more practical lending solution for Australian SMEs.
Today, Propell is a focused, agile, context-driven lender — delivering funding solutions grounded in real business performance, not arbitrary rules or blanket decline policies.
Led by a team with deep experience across credit, fintech, and SME lending. We're a small, hands-on team that takes a relationship-first approach — spending less time hiding behind models, and more time actually listening to brokers and business owners.
For Brokers
- Transparent credit feedback and fast deal turnaround
- No credit checks until a conditional offer is accepted
- Commissions paid upfront at the time of loan funding
- Direct deal submission via a simple, no-frills email process
Broker Portal
Coming soon
Coming Soon
For Business Owners
- Track your loan online
- Flexible repayment options
- No early repayment penalties
Contact Us
Get in touch — we're here to help.
Send Us a Message
Common Questions
Same-day funding is possible once approved.
Propell considers the cash flows of the business, the business trajectory, the industry dynamics, other loans held by the business and most importantly, loan affordability.
Propell does not perform a credit check until the loan offer is accepted.
Yes, Propell can refinance other lenders and ATO debt within the approved loan limit.
Propell considers the context of these defaults and they do not affect the decision if the circumstances are reasonable.
As seen in
Awards
Partners
