This or that?
Compare Business Funding Options Side by Side
Line of credit or term loan? Second mortgage or caveat? ATO payment plan or a loan? Side-by-side comparisons that help you pick the right tool before you apply.
Most funding decisions come down to a choice between two reasonable options. Both might work, but one usually fits the job, the timing and the exit better. These comparisons set the options next to each other so you can see the trade-offs at a glance.
Each comparison covers how the two options work, what each costs in practical terms (without quoting rates, because every loan is priced on the borrower's circumstances), how quickly each can be arranged and which situations favour which.
Still torn? Tell us what the money is for in a 60-second enquiry and a real person will say which way they would go and why.
Already know what you need? Send a 60-second enquiry and a real person will call you back. No credit check to enquire.
Side-by-side comparisons
Pick the right tool before you apply.
Line of credit vs loan
Line of credit vs business loan: how each works, what each costs in practice and which suits recurring cash gaps versus one-off purchases.
Read moreOverdraft vs line of credit
Business overdraft vs line of credit: how a bank overdraft differs from a non-bank line of credit on security, assessment, cost and flexibility.
Read moreSecured vs unsecured
Secured vs unsecured business loans compared: amounts, assessment, costs, terms and risk, and how to decide whether to offer property as security.
Read moreCaveat vs second mortgage
Caveat loan vs second mortgage: how each secures business funding behind an existing loan, which is quicker, which suits longer needs and how to switch.
Read moreBank vs non-bank
Bank vs non-bank business lenders: how assessment, speed, security, flexibility and cost differ, and when a non-bank lender makes sense for your business.
Read moreInvoice finance vs line of credit
Invoice finance vs line of credit: which suits slow-paying customers, growing sales or uneven cash flow, with costs, setup and flexibility compared.
Read moreATO plan vs loan
ATO payment plan vs business loan to clear a tax debt: costs, interest charges, approval, cash flow impact and when each option makes more sense.
Read moreFinance vs paying cash
Should you finance equipment or pay cash? Compare cash flow, total cost, tax, flexibility and risk before buying vehicles, machinery or tools.
Read moreShort vs long term
Short term vs long term business loans: how term length changes repayments, total cost and risk, and how to match the term to what the money is for.
Read moreRefinance vs top-up
Refinance vs top-up to raise business funds against property: how each works, speed, cost and when a separate second mortgage beats both.
Read moreCalculators for this topic
Funding Matcher
Six quick taps about your business and what the money is for. See which kind of funding fits and why.
Open itRepayment Calculator
Enter the amount, the term and the total cost on a quote. See weekly and monthly repayments. No rates needed.
Open itInvoice Cash Calculator
Your unpaid invoices, the advance offered and the fees quoted. See the cash you could unlock now and later.
Open itYour credit file stays untouched
Enquiring costs nothing and runs no credit check. A check only happens later, if you choose to go ahead with an offer.
One team, not a lead auction
Your details are not fired off to a list of lenders. The people who read your enquiry are the people who work on it.
A person who picks up
A real person reviews what you send and calls you back. Accurate answers on the form mean the first match is the right one.
Ask right here, it takes a minute
The same 60-second enquiry, on this page. No credit check to enquire, and the person who reads it is the person who calls you.
Put your business funding on call.
One 60-second enquiry. No credit check to enquire, no spraying your details around, and a real person who actually calls you back.
- $5k to $500kunsecured and lines of credit
- $20k to $5mproperty-secured, no valuation
- 60 secto enquire, no credit check