How do I get a business loan in Brisbane?

Apply online, connect or upload six months of bank statements, and our credit team reviews the trading pattern behind them. If it is a fit you receive an offer setting out the amount, the term and the single fixed repayment. Nothing is drawn until you accept it in writing.

Do you take security over my property?

A director's guarantee applies to every facility, which makes a director personally liable if the business does not repay. It is not a mortgage over your home. We set out what it means before you sign rather than leaving it in the schedule.

My progress claims are paid 45 days out. Does that rule me out?

No. It is one of the most common patterns we fund in South East Queensland. What matters is that the revenue is real and regular enough to service the repayment across the term, which is what the bank statements show us.

Do you lend outside Brisbane in regional Queensland?

Yes. The application is online and eligibility is based on how the business trades, not where it is registered, so operators on the Gold Coast, the Sunshine Coast, in Toowoomba, Townsville and Cairns apply on the same terms.

How much does it cost?

The cost is quoted as a total, in dollars, before you sign, rather than as a rate you have to reverse-engineer. There is a worked example on the home page, and the team can price a specific scenario for you.

Is this regulated consumer credit?

No. GreyRok provides business-purpose finance only. These loans are not regulated by the National Consumer Credit Protection Act 2009 and are not available for personal, domestic or household purposes.

BRISBANE BUSINESS LOANS

Business loans in Brisbane, assessed by people who pick up the phone.

Short-term working capital for established Brisbane businesses, $10,000 to $500,000, with one fixed repayment amount agreed before you sign.

Check my eligibility Speak to our team

Business-purpose lending only. Eligibility and approval criteria apply.

A cafe owner reviewing a supplier order on a tablet behind her counter

LOAN RANGE: $10,000 to $500,000
REPAYMENT: One fixed amount
DECISIONS BY: Our own credit team

How does a Brisbane business get short-term working capital?

A Brisbane business with an active ABN, six or more months of trading history and at least $10,000 a month in revenue can apply to GreyRok Capital for $10,000 to $500,000. The application is online, the assessment is made by our own Australian credit team rather than passed to a third party, and the repayment amount is fixed and shown in writing before anything is signed.

Who we fund

Brisbane businesses we lend to

Sector is rarely the deciding factor. Trading history, revenue and capacity to repay are.

Trades and subcontractors across South East Queensland
Construction fit-out and civil suppliers
Hospitality operators in the Valley, West End and South Bank
Transport and logistics near the airport and Port of Brisbane
Wholesale and industrial suppliers in the western corridor
Healthcare and allied health practices in the inner suburbs
Professional services in the CBD
Retail and e-commerce across Greater Brisbane

Why GreyRok

What Brisbane borrowers get from us

How we assess

Our own capital facility, so the credit decision is ours to make.
Bank statements read by an Australian credit team, not scored by a black box.
Funding sized to what the business can comfortably repay, not the maximum it could carry.
Seasonal and progress-payment cash flow understood on its own terms, which is most of what we see in Brisbane.

How it works for you

One fixed repayment amount, agreed upfront and unchanged for the term.
A director's guarantee, not a mortgage over your home, and we explain what it means before you sign.
An online application and a real person on 1300 070 666 when you want one.
Terms in plain English, with the total cost stated in dollars before you sign.

BRISBANE DEMAND

Why Brisbane SMEs are funding-active

Queensland's infrastructure pipeline, population growth through the South East corridor and a resources sector running hard all pull working capital through the SME segment, usually as a short and specific gap rather than a long-term facility.

People in Greater Brisbane: 2.83MPeople in Greater Brisbane
Businesses in Greater Brisbane: 242,271Businesses in Greater Brisbane
Employing 1 to 19 people: 85,226Employing 1 to 19 people
Construction businesses, the largest sector: 39,935Construction businesses, the largest sector

Subcontractors across the South East corridor carry material and labour costs well ahead of a progress claim being paid. That gap is the single most common reason a Brisbane business calls us.

The mining services cluster in the western suburbs, around Eagle Farm, Wacol and Acacia Ridge, supplies contracts on long payment terms. Mobilising for a newly awarded job rarely waits for the debtor book to clear.

Hospitality and tourism operators around South Bank and the Valley fund staffing and stock ahead of the event and conference calendar, then repay through the season that follows.

Population: ABS Regional population, 2024-25, estimated resident population at 30 June 2025. Business counts: ABS Counts of Australian Businesses at 30 June 2025, via ABS Data by region.

Coverage

We lend across Greater Brisbane

The application is online and the assessment is based on how the business trades, so your suburb makes no difference to eligibility.

CBD and inner suburbs

Brisbane CBD
Fortitude Valley
South Bank
New Farm
West End
Kangaroo Point

North and east

Chermside
Aspley
Eagle Farm
Capalaba
Cleveland
Wynnum

South and west

Sunnybank
Acacia Ridge
Wacol
Ipswich
Forest Lake
Indooroopilly

Apply

Four questions decide whether Brisbane funding is a fit

Four short steps. Nothing proceeds until you have seen the terms and the fixed repayment amount in writing.

Start the application

Active ABN: Required
Trading history: 6+ months
Monthly revenue: From $10,000
Purpose: Business only

FAQ

Brisbane business loan questions

More for Brisbane businesses

Gold Coast business loansThe same facility on the Gold Coast Logan business loansThe same facility in Logan Worked exampleWhat a facility costs, in dollars For brokersSubmit a Brisbane deal to our desk

Ready to fund the next job in Brisbane?

Check your eligibility in about two minutes, or call the team on 1300 070 666 and talk it through first.

Check my eligibility Talk to our team