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Please contact us for a quick quote for any of our products and services. Please note that all borrowing must be for business-related purposes only. We will reply within the next 24 hours if not sooner! 

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Not ready for a quote yet? Send us a quick message and we will get back to you within 24 hours if not sooner! 

Frequently Asked Question

Yes, we do provide unsecured Business Loans for businesses that have been active for 12 months or more. Have a turnover of +$6000/ month. Larger loan amounts, business start-ups, and businesses affected due to Covid may require real estate security.

Yes, we do. If you have real estate security, we also can fund you if your business has irregular cashflow such as a new business start-up.

We can provide loan terms ranging from 1 to 36 months. Funding rates also depend on the loan term.

To proceed to loan application stage we usually require the following information:  * Driver Licence or Photo ID * Business ABN * Up to 12 months bank  statements  (not required if using real estate as security) * For loans over $150K, you will be required to show  basic financial statements OR real estate security.

Depending and subject to lender’s policy you may borrow anything between $5,000 to $3,000,000 with ranging Loan Terms from 1 – 36 months. 

Banks are guided by different policy guidelines. We are a Private Money Lender, hence, we can often help out even if you have been declined elsewhere. We can also tailor your repayments based on you  business terms.

Usually the loan funds are paid on the same day that the loan settles. Once the loan contracts are electronically signed, the funds are deposited straight into your bank account the same day. Ready for you to use.

​Yes, we do provide all types of Business Equipment Leasing facilities. No real estate security is required also no Bank Statements required and Sole Traders may qualify for up to $25,000 approval on the same day. Pty Ltd Companies may qualify for up to $45,000 approval on the same day. You can choose the loan term from 1 – 5 years. 

We specialise in a variety of finance solutions utilising residential and commercial real estate. If you are experiencing repayment problems on your current loans or out of time and out of options, we may be able to help. We can customise a private loan solution for you. 

Why Choose Top Step Finance?

Our Lenders

We provide more choice with over 40 asset finance lenders on our panel to give you the best product for your business needs.

Our Technology

You use the latest processing software available in the market that includes direct API to various lenders.

Training & Development

We undertake ongoing Professional Development and education to stay on top of the market to benefit our clients.

Our Experience

With over 15 years of experience in asset finance, you can rest easy knowing you are working with the experts.

Hands-On Support

We provide complete business support options from application right through to settlement and beyond.

Compliance

A team with high-level expertise in all legislation, financer accreditations, and Australian Credit Licence holder updates.

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