Term Loans.
You know what the money is for and what you can afford each month. A business term loan gives you a lump sum upfront with fixed repayments - no revolving credit, no surprises. Co-Pilot searches 60+ lenders to find the right rate and structure for your goal. Terms from 1 to 7 years. Approval typically within 24-48 hours.
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Won't affect your credit score.
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How It Works
Business term loans - a lump sum upfront, fixed repayments, predictable planning
A term loan provides a one-time lump sum of funds, repaid through fixed monthly instalments over an agreed period. This predictable structure makes it easier to manage your finances while investing in your business's future - whether that's expansion, equipment, working capital, or debt consolidation.
Co-Pilot searches across 60+ lenders - major banks, non-bank lenders, and specialist business finance providers - to find the right rate and term for your specific situation. Secured or unsecured, short or long term, we structure it around your cash flow rather than a bank's standard template.
Need flexible access rather than a lump sum? Explore Cash Flow Loans for short-term unsecured working capital, or Debtor Finance if your capital is tied up in receivables.
Flexible Loan Amounts
Borrow the amount that matches your specific need - from small working capital injections to large capital expenditure programs.
Competitive Interest Rates
We search across 60+ lenders to find the most competitive rate for your situation - minimising your cost of borrowing.
Custom Repayment Terms
Choose repayment periods from 1 to 7 years that align with your cash flow and business planning - not a bank's standard template.
Quick Approval
Most term loan applications receive an initial decision within 24–48 hours. Our team manages the process to minimise delays.
Run The Numbers
Calculate your business term loan repayments
Enter your loan details
Estimated monthly repayment
$4,200.37
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Use Cases
Business term loans - what Australian businesses use them for
Term loans are ideal for a variety of business purposes. Whatever your goal, we'll structure a facility that matches the timeline and cost.
Business Expansion
Fund a new location, hire staff, or enter a new market. Term loans provide the capital to pursue growth with a structured repayment plan.
Equipment Purchase
Finance machinery, vehicles, or technology without depleting your working capital. The equipment generates revenue while you repay the loan.
Working Capital
Cover operational expenses - payroll, inventory, overhead - when revenue timing creates a shortfall. Keep operations running without disruption.
Debt Consolidation
Simplify your finances by consolidating multiple existing debts into a single loan with one manageable repayment. Often at a lower blended rate.
Commercial Fit-Out
Fund a shop, office, or venue fit-out over a structured term - spreading the cost across the period the asset generates returns.
Project Funding
Finance a defined project with a clear scope and expected return. Term loans match the repayment schedule to the project's revenue timeline.
Key Benefits
Business term loan benefits - why fixed repayments work
Predictable Repayments
Fixed monthly repayments simplify budgeting and financial planning - you know exactly what's going out each month for the life of the loan.
Customisable Terms
Tailor loan amounts and repayment periods to suit your business goals and cash flow. Flexible structures from 1 to 7 years.
Quick Access to Capital
Receive funds promptly to seize opportunities or address urgent needs - without lengthy bank processes or excessive documentation.
Competitive Rates
We negotiate across 60+ lenders to find the most competitive rate available - reducing your total cost of borrowing.
Broad Use of Funds
Use the loan for virtually any legitimate business purpose - from growth to day-to-day operations. No restriction on how the funds are deployed.
Credit Building
Timely repayments contribute positively to your business credit profile - strengthening your position for future finance applications.
Why Co-Pilot
Why Co-Pilot for business term loans - not just any broker
We work for you, not the lender
Our advice is independent. We recommend the loan structure that suits your business goals and cash flow - not the product with the highest broker fee.
Lender relationships that open doors
60+ lenders including major banks, non-bank business lenders, and specialist providers. We match your profile to the right lender before any formal application.
Honest advice on structure
Secured or unsecured? Short term or long? We help you choose the right setup - the wrong term can cost thousands more in interest than it needs to.
Clear communication, no surprises
We explain rates, fees, and repayment schedules before you commit. Our service continues post-settlement - refinancing and restructuring as your business grows.
Eligibility
Business term loan eligibility - most Australian businesses already qualify
Term loans are available to most established Australian businesses. Here's what lenders typically assess - our team will guide you through the specifics for your situation.
- Active Australian Business Number (ABN)
- Minimum 6–12 months of trading history (varies by lender)
- Demonstrated business revenue and cash flow
- Personal and business financial statements or bank statements
- Clear purpose for the loan funds
Don't meet every criterion? Speak to us - we work with specialist lenders for newer businesses, adverse credit, and non-standard situations.
Not sure if you qualify?
Every application is different. Tell us about your business and what you need the funds for - we'll give you an honest view of your options with no obligation and no credit check just to chat.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Business Term Loans
Have a goal and a number in mind?
Let's find your loan.
Tell us what the funds are for and how much you need - we'll come back with honest options across 60+ lenders, no obligation. Competitive rates, terms from 1 to 7 years, approval typically within 48 hours.