Apply for funding

Business funding

Funding from $5,000 to $1 million to grow your business

Pick an amount to see your options. One short application, 80+ lenders, and funding as soon as the same day.

  • No application fee
  • No obligation
  • Same-day funding
  • No collateral required

The application is the way in, and it takes about two minutes.

One rung at a time

Steady growth is a ladder, not a leap.

Five moves, smallest first. Each one is easier to carry when the rung before it is already solid.

  1. 1
    A florist working at her laptop among the day's flowers.

    Steady the floor

    Before anything grows, the day-to-day has to be covered: wages, suppliers, rent, the float in the till.

    Ready when the business makes money but timing keeps squeezing the account.

    Working Capital →
    • Up to $1M
    • 24 – 48 hours
  2. 2
    A baker standing in front of a full counter of pastries.

    Buy ahead

    More stock or materials than usual, bought before a busier stretch so the shelves are full when customers arrive.

    Ready when you can name the season or order that will sell it through.

    Short Term Business Loan →
    • $10K – $1M
    • 1 – 2 days
  3. 3
    Two café owners side by side behind their counter.

    Keep a buffer

    A facility that sits ready while the business stretches, so a slow month does not undo the progress of a good one.

    Ready when you would rather have room to draw on than borrow a lump sum you might not need.

    Business Line of Credit →
    • Up to $1M
    • 1 – 2 days
  4. 4
    A craftsman standing in his workshop beside the machines.

    Kit out

    The oven, van, chair or machine that lets the business take on more work than it can today.

    Ready when the extra work is already there, waiting on the capacity.

    Equipment Financing →
    • Up to $250K
    • 1 – 5 years
  5. 5
    Two builders in hard hats on the site of a new building.

    Build out

    The big rung: a second site, a fit-out, a contract larger than anything before it.

    Ready when today's takings could cover the repayment even if the new venture starts slowly.

    Term Loan →
    • $20K – $1M
    • Within 24 hours

How it works

Applying takes less time than planning the next step

Three stages, and the specialist does the lender-by-lender work.

Step 01

Tell us the step

The amount, what it is for, and a few questions about the business. There is no business plan to write and no fee to pay.

  • Short and free
  • No documents up front
  • Not a commitment
A practice owner going through a form with a colleague.

Step 02

Funding sized to it

A specialist matches the size and length of the step to the programmes that suit it, then gathers offers from lenders across the network.

  • Matched to the size of the move
  • Many lenders from one application
  • Offers set side by side
Two restaurant owners standing together in their dining room.

Step 03

Take the step when it suits you

You see each offer's cost over its full term and decide. Accept one and, once approved, funds can arrive in as little as 24 hours.

  • No pressure to accept
  • Full cost shown first
  • As little as 24 hours once approved
A salon owner standing in her salon, arms folded.

The six

Six programmes for six sizes of step

From covering this month's wages to opening a second site, with each programme's published ranges.

Good roots

How we keep growth steady

Funding should make the next step easier, not the one after it harder.

Sized to the step
We look for funding that matches the move you are making, not the most a lender will lend.
A repayment you can carry
Every offer shows its repayment rhythm before you sign, so you can test it against a quiet week.
Honest about pace
If a smaller rung would serve you better first, your specialist will say so.
No charge to look
Applying is free and seeing your offers commits you to nothing.

The network's figures

Behind the application, a network of lenders

80+lenders in the network
25,000businesses funded
24 hrsto funding once approved

These numbers describe the lending network Steady Growth Funding works through, not this brand alone.

Ready when you are

Ready to grow your business?

Take the next step with one short application, and funding as soon as the same day. No obligation.

Start my application

A father and son standing at the edge of their field, looking out across it.

The application

Start your application

Around two minutes: the amount, what the step is, your details and a few questions about the business. Free, and nothing is agreed until you accept an offer.

The application is the way in, and it takes about two minutes.