Running a business means staying one step ahead - whether it’s managing cash flow, seizing growth opportunities, or covering unexpected costs. At Mako, we structure fast, flexible business loan and working capital solutions that help Australian businesses move with confidence.

We work with a panel of bank and non-bank lenders to provide both secured and unsecured business finance, tailored to your industry, cash flow, and goals.

What Are Business Loans & Working Capital Facilities?

Business loans provide a lump sum upfront—ideal for growth projects, asset purchases, renovations, or consolidation. Working capital facilities (including overdrafts and line of credit solutions) give you ongoing access to funds, helping you manage seasonal cycles, supplier payments, and day-to-day expenses.

Depending on your structure and needs, we offer both secured (against property or business assets) and unsecured (no collateral) options.

Why Choose Mako?

• Access to 40+ lenders across major banks, fintechs, and private funders
  
• Secured and unsecured options available
  
• Fast approvals—often in 24 to 72 hours
  
• Low-doc and full-doc solutions
  
• Loan terms from 3 months to 5 years+
  
• Transparent terms and no hidden fees
  
• Expert support for complex structures and credit scenarios
  

Whether you’re buying inventory, hiring staff, or managing short-term cash flow gaps, we’ll structure a facility that works for you—not the lender.

What Can You Use It For?

• Business expansion or acquisitions
  
• Purchasing stock, materials, or equipment
  
• Paying wages or subcontractors
  
• Upgrading premises or renovating
  
• Covering BAS, ATO debt, or tax obligations
  
• Marketing campaigns or new product launches
  
• Bridging cash flow between contracts or invoices
  

If you’ve got a plan, we’ll back it with funding that makes sense.

Who Is It For?

• ABN holders trading 6 months or more
  
• Sole traders, companies, and trusts
  
• Businesses with property security or none at all
  
• Operators with strong cash flow or seasonal income
  
• Clients seeking faster alternatives to traditional banks
  

We regularly assist clients who are locked out of major bank funding, need a quick top-up for a project, or want a facility that adapts to changing business needs.

Types of Facilities We Offer

Secured Business Loan

• Backed by residential, commercial, or business assets
  
• Higher borrowing limits, lower rates
  
• Ideal for longer-term funding or debt consolidation
  

Unsecured Business Loan

• No collateral required
  
• Fast approvals up to $500k
  
• Perfect for short-term opportunities or working capital
  

Business Overdraft / Line of Credit

• Revolving facility linked to your business account
  
• Only pay interest on what you use
  
• Suits businesses with fluctuating cash flow
  

Invoice Finance / Debtor Funding

• Release cash tied up in unpaid invoices
  
• Facility grows with your receivables
  
• Ideal for contractors and project-based businesses
  

Some facilities can be approved and funded within 24–72 hours, even with limited documentation.

Let’s structure a smarter business loan - without the bank delays.

Speak with our team today to explore your best funding options.