How do I get a business loan in Sydney?

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 Sydney. 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 Sydney in regional New South Wales?

Yes. The application is online and eligibility is based on how the business trades, not where it is registered, so operators in Newcastle, the Central Coast, Wollongong, Wagga Wagga and Dubbo 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.

SYDNEY BUSINESS LOANS

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

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

A Sydney 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

Sydney businesses we lend to

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

Trades and subcontractors across the Sydney basin
Construction fit-out, civil and specialist contractors
Transport, courier and last-mile operators across the metro
Wholesale and import businesses around Port Botany
Healthcare and allied health practices in the inner and northern suburbs
Hospitality operators in the CBD, inner west and eastern suburbs
Professional services firms in the CBD, North Sydney and Parramatta
Retail and e-commerce across Greater Sydney

Why GreyRok

What Sydney 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 Sydney.

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.

SYDNEY DEMAND

Why Sydney SMEs are funding-active

Sydney carries the country's largest concentration of small businesses and its highest cost base. Most of the working capital we are asked for here is a timing problem rather than a solvency one: the work is won and the invoice is real, but the money lands after the costs do.

People in Greater Sydney: 5.64MPeople in Greater Sydney
Businesses in Greater Sydney: 646,689Businesses in Greater Sydney
Employing 1 to 19 people: 232,567Employing 1 to 19 people
Construction businesses, the largest sector: 107,079Construction businesses, the largest sector

Construction is the largest single sector in Sydney by business count, and subcontractors across the basin carry material and labour costs well ahead of a progress claim being paid. That gap is the most common reason a Sydney business calls us.

Nearly 60,000 transport and courier businesses operate across Greater Sydney, many of them on long payment terms from a small number of large customers. Fleet, fuel and driver costs do not wait for the debtor book to clear.

Commercial rent and wages in Sydney leave less slack than anywhere else in the country, so a single late payment or an unplanned equipment failure moves from inconvenient to urgent faster here than it does elsewhere.

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 Sydney

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

Sydney CBD
Surry Hills
Alexandria
Pyrmont
Newtown
Redfern

North and east

North Sydney
Chatswood
Brookvale
Macquarie Park
Bondi Junction
Hornsby

West and south

Parramatta
Blacktown
Liverpool
Penrith
Bankstown
Sutherland

Apply

Four questions decide whether Sydney 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

Sydney business loan questions

More for Sydney businesses

Newcastle business loansThe same facility in Newcastle Wollongong business loansThe same facility in Wollongong Worked exampleWhat a facility costs, in dollars For brokersSubmit a Sydney deal to our desk

Ready to fund the next job in Sydney?

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