Finance shaped around your industry.
Growth PayNuts Capital
Business funding
for what's next.
One enquiry, and we compare real business loan and finance options
across our lender panel.
Easy finance for your business.
Equipment, stock or staff: fund the growth sitting in front of you.
Get Started
One enquiry
You fill in your details once. We take them across our lender panel for you.
Flexible financing
Options matched to how your cash flow actually moves through the year.
Adaptable terms
Repayments and structures that fit the way your business trades.
No security required
Unsecured options available, so you don’t have to tie up your home.
No hidden costs
Clear terms explained before you commit, including how we are paid.
No obligation
Explore and compare your funding options with no obligation to move forward.
Waiting weeks for the bank to say no?
At PayNuts, we know access to business funding can help Australian businesses grow, but finding the right small business finance solution can be time-consuming. That's why we give our merchants access to experienced finance specialists who take the time to understand your business, compare business loans Australia-wide from a broad panel of business lenders, and provide clear, transparent guidance every step of the way.
Loan Options
Powered by 121 Brokers
Unsecured Business Loans
Fast funding without property security.
Secured Business Loans
Larger amounts at sharper rates.
Merchant Cash Advance
Repay in step with your card sales.
Debt Consolidation
Roll multiple repayments into one.
Invoice Finance
Unlock cash tied up in unpaid invoices.
Equipment Finance
Fund machinery, tools and tech.
Trade Finance
Pay suppliers while stock is in transit.
Line of Credit
Draw funds as you need them.
Vehicle Finance
Cars, Utes and commercial fleets
Finance Solutions for Growing Australian Businesses.
Whether you need working capital, equipment, or cash flow support, PayNuts Capital makes small business financing simple. We connect you with finance solutions matched to your industry, turnover and goals - no guesswork, no wasted applications.
As trusted finance specialists Australia businesses turn to, our lending panel spans banks, non-banks and specialist lenders, so you get small business loans Australia options suited to your stage of growth, not a one-size-fits-all product
FAQs
Start by submitting your details and telling us about your business and funding needs. A broker from 121 Brokers will review your information, discuss suitable options and compare relevant lenders from their panel. Nothing is submitted to a lender without your approval.
Eligibility varies between lenders and finance products. Lenders may consider factors such as how long you’ve been trading, your turnover, cash flow, credit profile and the purpose of the funding. 121 Brokers notes that many lenders look for an active ABN and typically at least six months of trading history, although requirements vary.
Yes. PayNuts Capital works with business lenders Australia-wide through our panel of 121 Brokers, so whether you're in Perth, Sydney, Melbourne or a regional town, you can access business funding Australia businesses rely on to grow.
PayNuts Capital is powered by 121 Brokers Pty Ltd (ABN 37 674 323 712), a finance broker, not a lender. Approval, rates, fees and timing are set by the lender and subject to credit criteria. Business-purpose finance only.