Long-term business loans
Our long-term loans are designed to back company borrowers — whether you’re expanding operations, buying property or refinancing existing business debt.
- Borrow from $250,000 up to $3M
- Up to 80% LVR with no minimum credit score
- Cash out and debt consolidation, including tax debts
- Loan terms up to 30 years with interest-only options for investment properties
- Flexible payment frequency and security options
Business loans that put you first
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First Business 30
A versatile, long-term business loan built for company borrowers that might not fit the standard mould.
Product features
- Up to 80% LVR
- Self-employed borrowers
- No credit scoring
- Unlimited debt consolidation (including tax debts)
- Unlimited cash out available
Good to know
Our business loans are classified as non-code, which means they’re regulated differently and designed specifically for business or investment purposes, rather than personal use.
Click here to view our product suitability notice.
Because your business deserves a loan that grows with you.
Long-term lending should give you room to plan, adapt and stay on the front foot. That’s why we focus on flexibility and momentum, so your loan supports growth at every stage.
Look beyond the numbers
We don’t just tick boxes. We look past credit scores to consider each borrower’s unique financial situation.
Pay down your loan faster
Make extra repayments anytime to reduce interest – with no penalties.
Access cash when you need it
Most loans offer generous cash out amounts, including an unlimited option to fund your aspirations.
Switch with ease
Refinance loans from banks, non-banks, private lenders and solicitor loans – even
ATO debt on some products.
Loan calculators
All the key tools and documents to get loans moving faster. Clear, simple and always up to date.
Borrowing Power
Calculator
Work out how much you can borrow and what your repayments might be
Home Loan Repayment
Calculator
Calculate repayments and total interest across your loan’s lifetime.
Extra Repayment
Calculator
Work out the impact of
making additional repayments
Stamp Duty
Calculator
Calculate stamp duty on properties across Australian states.
Savings
Calculator
Calculate potential interest and map out your savings strategy.
Loan Comparison
Calculator
Compare your repayments across different loan types
Postcode
Search
Enter your postcode or suburb to check maximum LVR available
Here to help, wherever you’re starting from
Whether you’re buying a home in the suburbs or securing an investment, we can help you get there.
Talk to your broker
Looking for a new loan?
First Federal works through trusted brokers. Speak to your broker about our loans, or get in touch and we can connect you someone in your area.
Have a question?
Already with First Federal or curious about our loans? Our team is here to help and make sure you get the right support quickly.
Financial hardship
If you are a First Federal customer experiencing financial hardship and having trouble making payments, we are here to help.
If you feel that we have not provided you with sufficient assistance or wish to seek alternative support, you can contact:
Way Forward: a not-for-profit organisation offering free financial counselling and long-term support to help manage and repay debts. Contact 1300 045 502 or visit wayforward.org.au
National Debt Helpline: a not-for-profit service that provides free, independent, and confidential financial counselling to help people with their financial circumstances. Contact 1800 007 or visit ndh.org.au
Australian Financial Complaints Authority (AFCA): AFCA provides free and independent complaint resolution. First Federal is a member of AFCA. Contact 1800 931 678, info@afca.org.au or lodge a complaint on their website www.afca.org.au