How do I get a business loan in Gold Coast?

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.

Our trade swings with the holiday seasons. Is that a problem?

No. A seasonal pattern that repeats is exactly what six months of statements are good at showing. We size the facility so the repayment is comfortable in the quiet months as well as the busy ones.

Do you lend across the border in northern New South Wales?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Tweed Heads, Murwillumbah, Byron Bay and Ballina 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.

GOLD COAST BUSINESS LOANS

Business loans on the Gold Coast, assessed by people who pick up the phone.

Short-term working capital for established Gold Coast 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 Gold Coast business get short-term working capital?

A Gold Coast 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

Gold Coast businesses we lend to

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

Trades and subcontractors from Coomera to Coolangatta
Construction fit-out, civil and high-rise contractors
Hospitality and accommodation operators in Surfers Paradise and Broadbeach
Healthcare and allied health practices across the city
Marine, boating and marina businesses on the Coomera River
Professional and financial services in Southport, Bundall and Robina
Transport and courier operators along the M1
Retail and e-commerce across the Gold Coast

Why GreyRok

What Gold Coast 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 Gold Coast.

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.

GOLD COAST DEMAND

Why Gold Coast SMEs are funding-active

The Gold Coast has more businesses than Hobart, Darwin and Canberra put together, and construction leads them by a wide margin. It is a building city with a visitor economy layered over it, and both halves spend before they are paid.

People on the Gold Coast: 708,085People on the Gold Coast
Businesses on the Gold Coast: 85,155Businesses on the Gold Coast
Employing 1 to 19 people: 29,378Employing 1 to 19 people
Construction businesses, the largest sector: 15,812Construction businesses, the largest sector

Nearly 16,000 construction businesses work the coast, from detached housing in the northern corridor to high-rise on the beachfront. The subcontractor sits at the end of that chain and carries materials and labour until the claim is certified.

Property and rental services are the second largest sector here, which is unusual. The businesses attached to a property transaction earn in lumps, and a slow quarter is a cash flow event rather than a trading problem.

Accommodation and hospitality operators buy stock and roster staff ahead of school holidays and the events calendar, then trade through them. Funding the ramp-up and repaying across the season that follows is the pattern we see most often here.

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 the Gold Coast

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

Central

Southport
Surfers Paradise
Broadbeach
Bundall
Main Beach
Benowa

North

Coomera
Helensvale
Oxenford
Nerang
Arundel
Pimpama

South and hinterland

Burleigh Heads
Robina
Varsity Lakes
Palm Beach
Coolangatta
Mudgeeraba

Apply

Four questions decide whether Gold Coast 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

Gold Coast business loan questions

More for Gold Coast businesses

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

Ready to fund the next job on the Gold Coast?

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