Business & Commercial Finance

At Sidco Finance, we help business owners access funding that supports real growth.
01

Access More Lenders

We work with a wide panel of banks and non-bank lenders, giving you more choice and better rates for your business finance needs.
02

Fast approvals

We help you secure funding quickly, with options for short or long terms, interest-only periods, and flexible repayment schedules.
03

Support for All Business Types

From sole traders to companies and trusts, we find finance options that match your structure, industry, and cash flow cycle.
04

End-to-End Support

Your dedicated broker manages everything from application to settlement, saving you time and helping you avoid delays or roadblocks.

Business Loans That Help You Grow

From unsecured loans to equipment finance and credit lines, our brokers work with you to understand your needs and deliver tailored finance solutions that keep your business moving forward.

Understanding Business Loans

Business loans are designed to help you access capital to cover operational costs, purchase equipment, fund expansion, or manage cash flow. Unlike personal loans, business loans can be tailored to suit your company’s financial position and income cycle.

There are several types of business finance available, including:

  • Unsecured business loans
    Fast and flexible funding that doesn’t require property as security

  • Secured business loans
    Loans backed by property, vehicles, or business assets for larger amounts or lower rates

  • Line of credit
    A revolving credit facility that gives you access to funds when you need them

  • Invoice finance
    Unlock cash tied up in unpaid invoices to improve cash flow

  • Equipment and vehicle finance
    Purchase machinery, vehicles, or tools without large upfront costs

  • Commercial property loans
    Purchase or refinance business premises with long-term funding

  • Fit-out and refurbishment loans
    Finance for shop or office fit-outs to support growth or brand upgrades

  • Working capital loans
    Short-term funding to cover wages, stock, or everyday expenses

Every business is different, and your loan should reflect that. Whether you need $20,000 to smooth over seasonal expenses or $2 million to fund expansion, we help you choose the right product and structure.

Access hundreds of loans from our wide choice of lenders, including the big 4 banks. We shop around for you and your broker can negotiate a competitive rate.
We don’t charge to find the right loan for you. Your broker is paid by the lender once your loan settles.
We offer appointments at the time and place that suits you, including after work.
Options for sole traders, companies, trusts and partnerships
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Why Sidco Finance Is the Right Choice for Business Lending

Business lending decisions are rarely one size fits all. At Sidco Finance, we take the time to understand how your business operates, where you are heading, and what the finance needs to support, not restrict.

We provide clear, practical guidance across a range of business lending options, from cash flow and asset finance through to commercial property and expansion funding. Our role is to explain what lenders are really looking for, structure your application properly, and help you avoid unnecessary complexity or delays.

Clients work with us because the process feels straightforward and considered. You deal with a broker who is accessible, transparent, and focused on long-term outcomes, not just getting a deal done. The result is finance that aligns with your business goals today and leaves room to grow tomorrow.

Ready to explore finance options for your business?

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Call us, we are here to help

Our expert insights will help guide you through the process and get you to your goal sooner.
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Book an appointment

Experience the Sidco Finance mortgage broker difference. Your local brokers with Australia-wide services.
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Start your application

We get it, you’re in the moment. Start your application online and we will contact you to compare and discuss your finance options.
Your local mortgage broker in Somerville, supporting Self-employed, small business owners, SMSF investors from the Mornington Peninsula through to Melbourne and everywhere inbetween. Helping you secure your dream home with competitive interest rates and expert financial guideance.
Sid & Co Pty Ltd ACN 143 724 529 trading as Sidco Finance is a Corporate Credit Representative (576254) and David Sidwell is a Credit Representative (576391) of Broker ACL Pty Ltd ACN 681 761 375 (Australian Credit Licence 563763)

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.