How do I get a business loan in Cairns?

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.

Our season runs for half the year. Will the quiet months rule us out?

No. A seasonal pattern that repeats is visible in six months of statements and we plan around it. What we are checking is whether the business can carry a fixed repayment across the whole term, wet season included.

Do you lend further north and west of Cairns?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Port Douglas, Mareeba, Innisfail, Cooktown and Weipa 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.

CAIRNS BUSINESS LOANS

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

Short-term working capital for established Cairns 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 cafe owner reviewing a supplier order on a tablet behind her counter

LOAN RANGE: $10,000 to $500,000
REPAYMENT: One fixed amount
DECISIONS BY: Our own credit team

How does a Cairns business get short-term working capital?

A Cairns 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

Cairns businesses we lend to

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

Trades and subcontractors across the Far North
Construction fit-out and civil contractors
Tropical horticulture, cane and agricultural service businesses
Tourism, charter and marine operators
Transport and freight through the Port of Cairns
Healthcare and allied health practices
Hospitality and accommodation in the city and the northern beaches
Retail and e-commerce across the region

Why GreyRok

What Cairns 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 Cairns.

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.

CAIRNS DEMAND

Why Cairns SMEs are funding-active

Agriculture is the second largest sector in Cairns by business count, and tourism sets the calendar for much of the rest. Both are cycles rather than months, and both are paid for well before they pay.

People in the Cairns region: 271,408People in the Cairns region
Businesses in the region: 24,328Businesses in the region
Employing 1 to 19 people: 8,914Employing 1 to 19 people
Agriculture businesses, the second largest sector: 3,030Agriculture businesses, the second largest sector

Growers across the Far North pay for planting, inputs and contract labour long before a crop is sold. A fixed repayment set against the months that follow the harvest is a simpler instrument than a facility that reprices along the way.

Tourism and charter operators fund vessels, vehicles, maintenance and staff ahead of the dry season, then trade through it. The revenue is reliable and the sequence is the problem.

Everything that breaks in Cairns is repaired with a part that comes a long way. Downtime costs more here than it does in a capital, which is why an unplanned equipment bill turns urgent quickly.

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 the Cairns region

The application is online and the assessment is based on how the business trades, so your suburb makes no difference to eligibility.

Cairns city and inner

Cairns City
Parramatta Park
Bungalow
Portsmith
Manunda
Edge Hill

Northern beaches and north

Smithfield
Trinity Beach
Clifton Beach
Palm Cove
Kewarra Beach
Port Douglas

South and the Tablelands

Edmonton
Gordonvale
Woree
Bentley Park
Atherton
Mareeba

Apply

Four questions decide whether Cairns 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

Cairns business loan questions

More for Cairns businesses

Townsville business loansThe same facility in Townsville Brisbane business loansThe same facility in Brisbane Worked exampleWhat a facility costs, in dollars For brokersSubmit a Cairns deal to our desk

Ready to fund the next season in Cairns?

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