How do I get a business loan in Melbourne?

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.

I buy stock on import terms and sell on 30 days. Can you fund the gap?

Yes, that is a common Melbourne pattern, particularly in wholesale and manufacturing. We look at whether the trading cycle behind the gap is regular enough to carry a fixed repayment, which the bank statements show us directly.

Do you lend outside Melbourne in regional Victoria?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Geelong, Ballarat, Bendigo, Shepparton and the Latrobe Valley 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.

MELBOURNE BUSINESS LOANS

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

Short-term working capital for established Melbourne 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 cabinetmaker checking a carcass at the bench in his Australian joinery workshop

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

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

A Melbourne 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

Melbourne businesses we lend to

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

Trades and subcontractors across the metropolitan area
Construction fit-out and civil suppliers
Transport, freight and last-mile operators in the south east and west
Manufacturing and industrial suppliers in the northern and western corridors
Wholesale and import businesses near the Port of Melbourne
Hospitality operators in the CBD, Fitzroy and along Chapel Street
Healthcare and allied health practices across the inner suburbs
Retail and e-commerce across Greater Melbourne

Why GreyRok

What Melbourne 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 Melbourne.

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.

MELBOURNE DEMAND

Why Melbourne SMEs are funding-active

Melbourne has the largest transport and logistics sector of any Australian capital and a construction industry close behind Sydney's. Both are industries where the cost is incurred first and the payment arrives later, which is exactly the shape of gap short-term funding is for.

People in Greater Melbourne: 5.44MPeople in Greater Melbourne
Businesses in Greater Melbourne: 596,547Businesses in Greater Melbourne
Employing 1 to 19 people: 177,726Employing 1 to 19 people
Transport and logistics businesses: 72,804Transport and logistics businesses

Almost 73,000 transport, postal and warehousing businesses operate across Greater Melbourne, concentrated in the south east and the western corridor. Fleet, fuel and warehousing are paid weekly; the freight invoice is paid on terms.

Construction is the largest sector by business count, and the subcontractor model puts materials and labour on the smallest party in the chain. Mobilising for a newly awarded job rarely waits for the last one to be paid out.

Manufacturing and wholesale in the north and west buy on import terms and sell on trade terms, which leaves stock sitting on the balance sheet between the two. Funding a purchase order is a different problem from funding a loss, and we assess it that way.

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 Melbourne

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

Melbourne CBD
Fitzroy
Collingwood
Richmond
South Melbourne
Brunswick

North and west

Preston
Coburg
Essendon
Sunshine
Footscray
Craigieburn

South and east

Box Hill
Clayton
Moorabbin
Ringwood
Frankston
Cheltenham

Apply

Four questions decide whether Melbourne 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

Melbourne business loan questions

More for Melbourne businesses

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

Ready to fund the next job in Melbourne?

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