Unlock instant financial flexibility with our

Business Loans

Need funds for expansion, inventory, or hiring?

Our small business loans are tailored to your business’s specific needs.

Discover the power of small business loans

In the dynamic world of business, access to capital is the catalyst that propels businesses to new heights. At ODIN, we understand the essence of entrepreneurship, serving as your trusted partner for growth as well as a reliable support during tough times.

Why choose ODIN for business loans?

Above industry-average approval rates

Expanded loan capacity

Adverse credit - No problem!

Low-doc options available

Dedicated support

no-obligation assessments

Let’s get started!

Check your business’s eligibility for a business loan now and get started with the application process.

Your Partner in Financial Success

One-stop lending partner

Over 50 lenders on panel

+150 Years of combined experience

Exceptional application approval rate


  • Minimum 6 months in business operation
  • Sole Trader, Company, Partnership, or Trust structure
  • Operational trading business
  • Possession of an Australian Business Number (ABN)
  • Maintaining a bank account in the business’s/entity’s name
  • Verifiable income and expenses evidenced through the business account
  • Minimum incoming income/revenue of $6,000 into the account
  • Valid identification documents
  • Applicant must be 18 years of age or older

Interest rates on ODIN loans can vary depending on factors such as the term of your loan, your creditworthiness, and our lending policies. We always strive to offer competitive rates tailored to your circumstances. Your dedicated loan specialist at ODIN will guide you through all associated fees, ensuring transparency and clarity throughout the process.

Before applying, our Loan Specialist will consult with you and discuss your circumstances, providing a quotation with up to 97% accuracy. Applications are only submitted after this consultation, and it’s at that point that a credit check is conducted. There is no impact on your credit score for simply consulting with us and obtaining a quotation.

The loan repayment term can vary widely, depending on the type of loan and your agreement with the lender. It can range from a few months to several years. Short-term loans may have terms of 3 to 18 months, while longer-term loans can extend to 5 years.

The approval timeline can vary based on the lender, the complexity of your application, and the type of loan you’re seeking. Some lenders can provide approval within a few hours, while others may take several days. Be prepared to provide all required documentation promptly to expedite the process.

When obtaining a business loan, understanding the associated fees is crucial to determine the total cost. At ODIN, transparency is paramount, and we ensure our clients are well-informed about all expenses involved. Below is a comprehensive list of potential fees that may be linked to your business loan. It’s important to note that each lender has their own fee structure, and our loan specialists will provide detailed information on applicable fees before submitting your application:

  • Discharge Fee: Charged for early loan repayment.
  • Application Fee: Processing charge for your loan application.
  • Brokerage Fee: Payment to a broker for loan arrangement.
  • Default Notice Fee: Fee for issuing a default notice.
  • Default Interest Rate: Higher rate applied in case of payment default.
  • Dishonour Fee: Fee for failed payments due to insufficient funds.
  • Late Payment Fee: Charged for payments made after the due date.
  • Missed Payment Fee: Fee for not making a scheduled payment.
  • Enforcement Expenses: Costs related to debt collection.
  • Legal Fee: Fees for legal services pertaining to the loan.
  • Caveat Lodgement Fee: Fee for lodging a caveat against your property.
  • Monthly Service Fee: Regular fee for loan servicing.
  • Reschedule Payment Fee: Fee for changing the repayment schedule.
  • Returned Payment Fee: Charge for returned payments.
  • Bank Change Fee: Costs for changing the designated bank account.
  • Designated Account Block Fee: Fees for blocking access to a designated account.
  • Security Amendment Fee: Costs for amending loan security.
  • Establishment Fee: Fee for setting up the loan.
  • Admin Fee: Administrative costs associated with loan management.
  • Direct Debit Fee: Charges for direct debit services.
  • Risk Fee: Fees related to assessing and managing loan risk.
  • Origination Fee: Fee for loan origination.

Please note that this list provides an overview of potential fees, and not all may apply to your specific loan agreement. We encourage thorough review of the loan terms and discussion of these fees with our specialists to ensure clarity on the costs associated with your business loan.

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