How do I get a business loan in Hobart?

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 is seasonal. Will a quiet month count against us?

No. Seasonality is a pattern, not a weakness, and six months of statements make it visible. What we are checking is whether the business can carry a fixed repayment across the term, including through the quiet part of its year.

Do you lend outside Hobart in the rest of Tasmania?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Launceston, Devonport, Burnie and the Huon 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.

HOBART BUSINESS LOANS

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

Short-term working capital for established Hobart 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 Hobart business get short-term working capital?

A Hobart 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

Hobart businesses we lend to

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

Trades and subcontractors across southern Tasmania
Hospitality and accommodation operators in the city and on the waterfront
Food, seafood and beverage producers and their suppliers
Construction fit-out and civil contractors
Healthcare and allied health practices
Transport and freight businesses working through the Port of Hobart
Tourism operators and charter businesses
Retail and e-commerce across Greater Hobart

Why GreyRok

What Hobart 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 Hobart.

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.

HOBART DEMAND

Why Hobart SMEs are funding-active

Hobart is the smallest capital economy in the country and one of the most seasonal. A year's margin is often earned across a few months, and the stock and staff that earn it have to be paid for beforehand.

People in Greater Hobart: 255,250People in Greater Hobart
Businesses in Greater Hobart: 19,335Businesses in Greater Hobart
Employing 1 to 19 people: 6,722Employing 1 to 19 people
Construction businesses, the largest sector: 3,526Construction businesses, the largest sector

Visitor numbers concentrate into the warmer months and the festival calendar. Hospitality and tourism operators staff up and buy stock ahead of a season, then repay through the trade that follows it, which is a cycle a fixed short-term repayment matches closely.

Construction is the largest sector by business count, and in a market of this size a single delayed progress claim can be most of a small builder's month.

Freight across Bass Strait adds days at both ends of the trading cycle. Stock is paid for earlier and sold later than the same business on the mainland would manage, and the gap in between is working capital.

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 Hobart

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

City and waterfront

Hobart CBD
Battery Point
Sandy Bay
North Hobart
Salamanca
South Hobart

Northern suburbs

Glenorchy
Moonah
Derwent Park
Claremont
Lutana
Brighton

East and south

Bellerive
Rosny Park
Howrah
Kingston
Sorell
Cambridge

Apply

Four questions decide whether Hobart 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

Hobart business loan questions

More for Hobart businesses

Melbourne business loansThe same facility in Melbourne Geelong business loansThe same facility in Geelong Worked exampleWhat a facility costs, in dollars For brokersSubmit a Hobart deal to our desk

Ready to fund the next season in Hobart?

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