How do I get a business loan in Sunshine Coast?

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 fitting out a new allied health room before the billings start. Can you fund that?

Yes, provided the existing practice is trading and the revenue in the account can carry the repayment. We are funding the gap between the spend and the billings it produces, so what matters is the trading history behind the plan.

Do you lend north of Noosa and into the Wide Bay?

Yes. Eligibility is based on how the business trades rather than where it is registered, so operators in Gympie, Hervey Bay, Maryborough and Bundaberg 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.

SUNSHINE COAST BUSINESS LOANS

Business loans on the Sunshine Coast, assessed by people who pick up the phone.

Short-term working capital for established Sunshine Coast 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 Sunshine Coast business get short-term working capital?

A Sunshine Coast 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

Sunshine Coast businesses we lend to

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

Trades and subcontractors from Caloundra to Noosa
Construction fit-out and civil contractors in the growth corridor
Healthcare and allied health practices around the Kawana hospital precinct
Hospitality and accommodation operators in Noosa, Mooloolaba and Caloundra
Food and beverage producers in the hinterland
Professional services in Maroochydore and Birtinya
Transport and courier operators
Retail and e-commerce across the coast

Why GreyRok

What Sunshine Coast 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 Sunshine Coast.

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.

SUNSHINE COAST DEMAND

Why Sunshine Coast SMEs are funding-active

Roughly one in five Sunshine Coast businesses is in construction, well above the national mix. Add a visitor economy and a hospital precinct that is still pulling practices to it, and most of the demand here is for funding growth rather than covering a shortfall.

People on the Sunshine Coast: 441,508People on the Sunshine Coast
Businesses on the Sunshine Coast: 47,327Businesses on the Sunshine Coast
Employing 1 to 19 people: 17,562Employing 1 to 19 people
Construction businesses, about one in five: 9,881Construction businesses, about one in five

The residential growth corridor through Caloundra South, Palmview and Aura keeps a long queue of work in front of local trades. Taking the next job on usually means carrying its materials and labour before the last one is certified.

The hospital precinct at Birtinya and Kawana has drawn allied health practices to it. A new room, a new chair or a new machine is paid for well before the billings it supports start arriving.

Noosa and Mooloolaba trade hard through the holiday periods and quietly between them. Stock and rosters are funded ahead of the season, which is a timing decision rather than a sign of stress.

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 Sunshine Coast

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

Central

Maroochydore
Mooloolaba
Kawana Waters
Birtinya
Buderim
Alexandra Headland

North

Noosaville
Noosa Heads
Coolum Beach
Peregian Springs
Tewantin
Cooroy

South and hinterland

Caloundra
Beerwah
Landsborough
Nambour
Maleny
Sippy Downs

Apply

Four questions decide whether Sunshine Coast 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

Sunshine Coast business loan questions

More for Sunshine Coast businesses

Brisbane business loansThe same facility in Brisbane Gold Coast business loansThe same facility on the Gold Coast Worked exampleWhat a facility costs, in dollars For brokersSubmit a Sunshine Coast deal to our desk

Ready to fund the next job on the Sunshine Coast?

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