Secure the right loan to take your business further

Empire Lending is a referral service for EmpireOne members. We are not a lender. We connect businesses with licensed credit providers for their funding needs. We take the hassle out of the loan search by matching you to one of our panel of licensed lending partners based on your business profile and goals. Empire Lending does not provide credit, financial advice, make lending decisions, or guarantee loan approvals.

The lending decision is made entirely by the licensed credit provider, not by Empire Lending. Each credit provider has their own lending criteria and responsible lending obligations under Australian law.

Empire Lending is available primarialy to EmpireOne members. EmpireOne is a designed for Business owners and operators. If you're not yet a member, join EmpireOne to see our range of services and to take advantage of our lending partners.

There’s no fee to use Empire Lending — it’s a free benefit for EmpireOne members. You’ll only pay any fees or interest tied to loans you accept from our lending partners. Empire Lending earns a small commission from the lender when your loan is approved, which doesn’t affect your rate or terms.

To begin, either fill in the form on this page or log into your EmpireOne account and book a call with our concierge, who will be able to assist with your lending needs.

Empire Lending is not a licenced credit provider but operates under the referral exemption provisions of the National Consumer Credit Protection Act 2009. Our lending partners are all licensed credit providers who are responsible for responsible lending assessments and loan decisions.

In some cases loans can be approved and funded within 24 hours, however this is not guaranteed. If registering through EmpireOne, our concierge call will take approximately 20 minutes. Once completed, your details will be passed to a licensed credit provider best suited to your needs. The credit provider will contact you directly to conduct their own assessment and make all lending decisions. The time to complete a full application and receive funding varies by lender, ranging from 24 hours to several weeks depending on the loan type and complexity.

You'll need basic information about your business (name, industry, years in operation, annual revenue), details about the loan you're seeking (amount, purpose, timeframe), and some financial information (credit score range, existing loans). Some lenders may require additional documentation during the final application stage. Please note: you are under no obligation to accept any loan offer, even if approved by one of our lending partners. stage.

Completing the initial call will not affect your credit score. A credit check will only be performed when you choose to proceed with a formal application to a specific lender, and you'll be informed before any credit checks are conducted.

Yes, our concierge will save all the information you provide in your profile and you can decide to complete it at any stage.

Empire Lending offers various types of business funding, including term loans, business lines of credit, SBA loans, equipment financing, invoice factoring, merchant cash advances, and commercial real estate loans. The options presented to you will depend on your business profile and needs.

Interest rates are determined by the lenders based on several factors, including your business's credit profile, time in business, annual revenue, loan amount, and term length.

Loan amounts range from as little as $5,000 to over $5 million, depending on the lender, loan type, and your business's qualifications. Our questionnaire will help determine what loan amounts you may qualify for.

Funding times vary by loan type and lender. Some options, like merchant cash advances or certain short-term loans, can provide funding in as little as 24-48 hours. Traditional term loans or SBA loans typically take longer, from several days to several weeks to fund.

You can reach our support team through the contact form on this page, by emailing concierge@empireone.com.au, during business hours (Monday-Friday, 9am-5pm AEST).

For complaints about loan products or services, you should first contact the credit provider directly. If your complaint is not resolved, you can contact the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678. For complaints about Empire Lending's referral service, contact us at concierge@empireone.com.au

Yes, we offer consultations with loan experts who can help you understand your options and choose the best one for your business needs. Speak to us first by booking a call through your EmpireOne account dashboard.

Please reach out our concierge team to update your business information. They will be able to assist you with any changes to your business information.