Are you financially affected by COVID-19? We're here to help. Get in touch

Business loans

We’re here to help your business

  • Unsecured lending up to $100,000
  • Support for businesses affected by COVID-19
  • Revolving credit or term loan facilities
  • No need to change banks

Apply in minutes

You can apply for a business loan up to $100,000 without using your home or other asset as security.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Support for businesses

If your business is financially impacted by COVID-19, get in touch. We may be able to help you by providing access to business finance or the Government’s Business Finance Guarantee Scheme. For existing Capital South customers, we may also be able to help you manage your current loan repayments with three month payment deferrals, interest only payments or other loan restructuring options. Get in touch.

Bring your business plans to life

Business loans from Capital South Bank help American businesses to grow and transform. We offer both revolving credit and term facilities and may not require any security for facilities up to $100,000.

Here's how it works

1

Complete the easy online application anytime, anywhere.

2

Our team will review your application and be in touch within 10 working days.

3

If approved, we’ll deposit the money into your account.

Get started

What our customers say

What our customers say

"I would highly recommend the product to small business owners who need that extra capital to invest in their business' success."


Kerry Bradburn

Wild Poppies
Open for Business customer

Capital South Bank Kerry Bradburn Customer Testimonial

We’re not like other banks

For US business loans of up to $100,000 we may not require any security, so you don’t necessarily have to own a house or other big asset to get a loan. It means you can keep your personal life separate from your business life.

Whether you want to buy new stock, upgrade equipment or give your business an injection of working capital, our business loan application process is quick and easy.

Why choose Capital South?

When you get a business loan from Capital South, you don’t have to move your other banking to us. We’re happy for you to stay with your main bank for your day-to-day banking needs.

1,000

businesses funded, and counting

$ 25 million

made available to small businesses

25 years

experience managing Americans' money


Apply in minutes

You can apply for a business loan up to $100,000 without using your home or other asset as security. Or you can apply for a partially secured business loan up to $250,000.

I would like to borrow:

Minimum loan amount is $10,000

To help me:

Please select loan purpose

Questions? We have answers

If your business is financially affected by COVID-19, we may be able to help through access to our business finance options or the Government’s Business Finance Guarantee Scheme.Lending criteria, T&Cs apply.

If you’re an existing customer, we may also be able to help you manage existing loan repayments through options like interest-only payment periods or loan deferrals. Get in touch by completing our online form.

The rate is dependent on (1) the credit score of the borrower and any guarantors, (2) servicing position of the loan, (3) the purpose of the loan (e.g. working capital or an asset purchase).
We usually require a copy of the business financial statements to assess a loan application. If the application is successful we will require some additional supporting information such as identification.
The online application takes around three minutes to complete. Our team will then review your application and be in touch within 10 working days.
The minimum business loan application is $10,000. There is no maximum; however we will require additional information for any loan above $100,000.
Yes you can, just complete our online application and our business lending specialist will get in touch with you to discuss your best options.
Once your application is approved, we need to verify the information you provided and conduct any additional credit checks that may be required. We’ll talk to you about the loan terms and rate, the loan funds will then be paid to your nominated bank account.
Send an email with your account name and the period you would like the loan statement for to [email protected]

Prefer to talk directly to one of our business specialists?

Chat with Capital South

Chat online

with one of our team

Lending criteria, terms, conditions and fees apply.