How do I get a business loan in Canberra?

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.

We are paid on milestones and the approval takes weeks. Can you fund payroll in between?

Yes. Milestone payments from a reliable customer are a timing problem, and funding the gap is what a short-term facility is for. We read the bank statements to check the pattern is regular enough to carry a fixed repayment across the term.

Do you lend in Queanbeyan and the surrounding Capital Region?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Queanbeyan, Goulburn, Yass, Bungendore and Cooma apply on the same terms as businesses inside the ACT.

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.

CANBERRA BUSINESS LOANS

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

Short-term working capital for established Canberra 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 physiotherapist at the reception desk of a small allied-health clinic

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

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

A Canberra 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

Canberra businesses we lend to

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

Professional, consulting and IT firms serving federal departments
Trades and subcontractors across the ACT and Queanbeyan
Construction fit-out and civil contractors in the growth districts
Healthcare and allied health practices across the territory
Facilities, security and cleaning contractors on government sites
Hospitality operators in Civic, Braddon and Kingston
Transport and courier operators
Retail and e-commerce across the ACT

Why GreyRok

What Canberra 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 Canberra.

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.

CANBERRA DEMAND

Why Canberra SMEs are funding-active

Canberra is the only Australian capital where professional services, not construction, is the largest sector by business count. That changes the shape of the funding gap: it is payroll waiting on a milestone rather than materials waiting on a claim.

People in the ACT: 484,630People in the ACT
Businesses in the ACT: 36,934Businesses in the ACT
Employing 1 to 19 people: 14,269Employing 1 to 19 people
Professional services firms, the largest sector: 7,351Professional services firms, the largest sector

Over 7,000 professional and consulting businesses operate in the territory. A firm that wins a panel engagement staffs it before the first milestone is approved, and payroll does not wait for an invoice to clear procurement.

Contracts written to the financial year concentrate the cost of mobilising into a few weeks. The revenue that follows is reliable; it is simply behind the spending that created it.

Construction is the second largest sector, spread across the Molonglo and Gungahlin growth districts and over the border in Queanbeyan, and it runs on the same progress-claim cycle as every other city.

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 ACT and the Capital Region

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

Central Canberra

Civic
Braddon
Kingston
Barton
Dickson
Turner

North

Gungahlin
Belconnen
Mitchell
Bruce
Nicholls
Watson

South and across the border

Woden
Tuggeranong
Fyshwick
Phillip
Hume
Queanbeyan

Apply

Four questions decide whether Canberra 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

Canberra business loan questions

More for Canberra businesses

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Ready to fund the next contract in Canberra?

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