Business Loans - up to $25,000

Have you always wanted to start or expand your own small business?
Now that dream can be reality with EXCEL interest-free business loans. Given the higher risk and potentially higher loan amounts associated with Business Loans, we apply stricter application criteria.

Our Business Loans fall into two categories:

Business Expansion Loans

You may have been running a Small Business for some time and require fresh capital to help you increase your income on a sustainable basis. For example; you may need to purchase new equipment or renovate existing premises. The precise purpose of the loan will depend on your particular Business.

Applicants for Business Expansion Loans of more than $5,000 are required to submit a Business Plan in addition to the
Business Loan Application Form. If required, we may be able to provide you with a referral to a Business Mentor to assist you with the preparation of a Business Plan and increase the likelihood of your loan being approved. You may also refer to the Links section for websites which have information and templates on Business Plan writing.

Business Start-Up Loans

Business Start-Up loans are offered to people who need a financial kickstart to get their small business off the ground. We welcome applications for all types of small businesses. The key ingredient for a successful application will be ability for the Business will generate enough cashflow to repay the loan and meet your living requirements.

All Business Start-Up loans required a Business Plan in addition to the
Business Loan Application Form. If required, we may be able to provide you with a referral to a Business Mentor to assist you with the preparation of a Business Plan and increase the likelihood of your loan being approved. You may also refer to the Links section for websites which have information and templates on Business Plan writing.

Please refer to Application Process for details of how to apply for a Business Loan.