Business Loans

Secured & Unsecured Options

Finance matched to the security you can offer, or none at all.

Fast Access to Working Capital

Options that can settle in days when cash flow is tight.

Flexible Use of Funds

Stock, staff, tax debt, growth or consolidating existing debt.

No Obligation Enquiry

Understand your options before you commit to anything.

What We Do

Profitable businesses still run short of cash. You pay staff, suppliers and rent on a fixed cycle, while customers often pay you 30, 60 or 90 days later — and that gap can strain even a healthy business.

This service is provided through Royce Standard's affiliate finance partners, who structure business finance across options like working capital loans, lines of credit and invoice finance — matched to whether your cash gap is ongoing, unpredictable, or a one-off.

We help you understand which structure actually fits your situation before you commit to anything.

Business Finance Options We Can Help With

The right structure depends on why you need funding and how your cash actually moves.

Managing Cash Flow Gaps

Working capital finance to bridge the gap between paying expenses and getting paid.

Unlocking Cash Tied Up in Invoices

Invoice finance advances funds against unpaid invoices, scaling as your sales grow.

Ongoing or Irregular Funding Needs

A line of credit or overdraft you draw on as needed, paying interest only on what you use.

Managing a Tax Debt

Finance to manage an ATO obligation without disrupting day-to-day cash flow.

Funding Growth or a New Opportunity

Term finance for expansion, acquisitions or a new location.

Consolidating Existing Business Debt

Combine multiple facilities into one, more manageable repayment.

Ways to Structure Your Finance

The right facility depends on whether your cash gap is ongoing, unpredictable, or a one-off.

Working Capital Loan

A fixed lump sum repaid over a set term, sized to your trading profile rather than a single invoice.

Line of Credit

A revolving limit you draw on and repay as needed, paying interest only on what's used.

Invoice Finance

An advance against unpaid invoices, typically secured by the debtors rather than property.

Secured Business Loan

Property or asset-backed finance, usually offering lower rates and longer terms.

How It Works

Tell Us About Your Business

Share your situation, purpose and how your business gets paid.

We Connect You With Our Network

We introduce your enquiry to business finance providers within our affiliate network.

Compare Your Options

Review secured, unsecured, revolving and invoice-based finance before you decide.

Get Equipped With Confidence

Your affiliate partner manages approval and settlement, with our support along the way.

Explore Our Other Finance Services

Private Lending Home Loans Car Loans Equity Finance Equipment Finance Bridging Loans Debt Issuance

Enquire About Business Loans

Tell us about the finance you're after and a member of our team will be in touch to discuss your options.

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