National Direct Finance — Business Finance

Cashflow & fitout finance.
Built for growth.

Working capital, invoice finance, and fitout funding — compared across our lender panel so cash goes into running the business, not into paying too much for it.

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Individual - Know your personal lending power

What we finance

Business & cashflow finance, one broker

Pick one below to estimate payments.

Business & cashflow finance

Working capital when the business needs it

Business and cashflow finance covers short-term working capital, growth funding, or bridging a gap between outgoing costs and incoming revenue — including invoice finance, where funds are advanced against unpaid invoices instead of waiting on customer payment terms.

Get a business finance quote
  • Working capital & growth funding
  • Invoice finance against unpaid invoices
  • Secured & unsecured options
Fitout finance

Fund the fitout without draining cash reserves

Fitout finance covers the cost of fitting out or renovating a business premises — shopfronts, offices, hospitality spaces — spread over time instead of paid upfront, so the fitout doesn't eat into the working capital the business needs to actually open its doors.

Get a fitout finance quote
  • Shopfronts, offices & hospitality spaces
  • New premises or a renovation
  • Secured & unsecured options
ATO debt

Behind on tax doesn't have to be the end of the road

Falling behind on ATO obligations doesn't have to derail the business. Some lenders on our panel specifically work with businesses to clear ATO debt and get back to trading normally, rather than treating it as a dead end.

Talk to us about ATO debt
  • Specialist ATO debt lenders on our panel
  • Structured repayment, not a lump sum
  • Get trading normally again
Why National Direct Finance

Our loyalty is to you, not a lender

Unbiased panel

We're not tied to one bank — we compare and negotiate across our full lender panel for your situation.

Real experience

Decades in finance and automotive means we know which lender fits your circumstances, not just the lowest headline rate.

Straight answers

Best rate doesn't always mean best deal. We explain the trade-offs so you're not caught out later.

Reviews

What our customers say

Real reviews from Google — read them all here.

Read more reviews ↓
Our lenders

Access to Australia's leading lenders

Process

How it works

1

Tell us what you need

A quick chat or online form — no obligation, no credit score impact.

2

We compare the panel

We match your situation against lenders best suited to it, not just the biggest name.

3

You apply, we handle it

We guide the application and settlement so there's no guesswork on your end.

4

Ongoing support

We're here for the life of the loan, not just the sale.

Ready to get finance sorted?

Get a no-obligation quote — takes a couple of minutes online, or call us directly.

Apply Online Call 1300 836 546
FAQ

Common questions

Can fitout finance cover a brand new premises, not just a renovation? ⌄

Yes — it covers fitting out a new space you've just leased or purchased, as well as renovating an existing one.

Can I get finance if my business is newly registered? ⌄

Yes, in many cases — some lenders have minimum trading history requirements, but there are options for newer businesses too. We'll let you know what's realistic for your situation.

Is business finance tax deductible? ⌄

This depends on your individual circumstances and the type of finance — we'd recommend speaking with your accountant, who can advise based on your specific situation.

How fast can I get approved? ⌄

Usually under 24 hours, often sooner — our record is under 1 hour!