Rating based on 34 reviews


  • Business loans up to $100,000
  • Low-interest starting from 2%
  • Repayment up to 6 months

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Kikka homepage
Author Kikka. Screenshot of Kikka website.
[Accessed May 2, 2023]

Kikka - A reputable lender

When you think about a company that is as young as them, it is without a doubt that you will think they are not really experienced in the financial management business. However, they have built a profound reputation that has stuck through.

Transparency is the name of the game

When they opened their doors to the public of Australia in 2015, they wanted to be as clear as they come. The last thing they want is to be a financial brand that is not forthcoming towards their clients. Each and everything they do is not only by the book, but it is also fair and without judgement. They value every client with humility and dignity and they just want your business to flourish!

Their common goal for businesses

The reason they opened this credit provider is that they wanted to be the answer to many businesses in Australia. They never wanted clients to struggle with wondering where they had to go if they wanted a business loan. They basically want people to know that they can count on them.

Paving a way for industries

They know that there are a large number of industries that are not taken seriously in the loan trade. They don’t find that fair because anybody who is trying to make their life a better one by ensuring that they have bread on the table is somebody of significance to them. They are not bothered by the job description you do but as long as you make an honest living, they will lend you an ear.

Get approved in under 10 minutes

Clients are required to apply online for the Kikka business loan. These business loans take less than 10 minutes to complete and there isn’t much we ask.

They will only request you to fill in your personal details, your business details as well as the information of your residential address and contact details. They will never ask you why you applying for a loan because as far as they are concerned, they are dealing with mature clients who will only apply for credit when there is a serious need.

Loan amount borrowing capacity

After you have submitted an online loan application, they will then access whether or not you can afford the amount that you are applying for. It might be that you have applied for a slightly higher amount and they might have to lower it so that it can suit your financial capacity.

Should this be the case, business owners shouldn’t feel that they aren’t being fair but should rather understand the angle that they are coming from. They don’t want their clients to have too much on their plate.

The money will be deposited into your bank account

After they have determined how much you can qualify for, they will then require that you accept the terms and conditions of the contract of the business loan and the money will be deposited into your nominated bank account.

Kikka – Business loan

  • Loan Type Business loans
  • Interest Rate 29.75% p/a
  • Loan Amount up to $100,000
  • Repayment 1 month to 6 months

Benefits of Kikka

  • Business loans

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Kikka - they have a superior customer support team

Seeing that life is changing, they have seen to it that they also change their ways so they can start fitting into what society expects them to do.

As such, their quick loan application is strictly online and there is little to no paperwork processed. They are trying to refrain from using too much paper and end up wasting it unnecessarily. Furthermore, they want their clients to be accustomed to the technological side of things while they are also saving the environment while they are at it. They are not just concerned about ensuring that they give customers the best financial deals, they also want them to take care of the environment.

How to meet their criteria for a business loan?

  • Your business must earn more than $10 000 on a monthly basis
  • The business must be registered for ABN/CAN for at least 12 months

Why should you choose Kikka?

  • They don’t make their clients wait for long periods of time. They will be ready and willing to give them a response about their business loan application before the end of the business.
  • Their loan options are unsecured and there are no assets they require to use as collateral.
  • They check your loan application as soon as it has been brought to their attention.
  • Every data that you give them for their viewing is strictly confidential and private. They will never use your information for any other purpose either than the purpose of your long or short-term loan application. Any other purpose would be fraud on their side.
  • They are a credit provider that has been delivering exceptional service to clients and has become a company of choice.

Constant customer service and support

The consultants that they have hired have made Kikka feel at home. As such, they go out of their way to ensure that they offer the best advice to clients who need a little bit of motivation in the right direction. In addition, they reach out to their customers and remind them that they shouldn’t feel bad when they need assistance. After all, that is what they are here for.

Customer Reviews & Testimonials

Kikka has a wide variety of finance solutions for every business type, including mine. I was greatly satisfied with the service as well as rates and fees they were able to offer me.!

Mark K
— Adelaide —

Great service and they were able to offer my business professional advice and wonderful terms on my business loan. Should I need another loan at a later time, I will be sure to make use of them a...

Miles E
— Canberra —

Kikka Contact

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Physical Address

Opening Hours

  • Monday 10:00 – 19:00
  • Tuesday 10:00 – 19:00
  • Wednesday 10:00 – 19:00
  • Thursday 10:00 – 19:00
  • Friday 10:00 – 19:00
  • Saturday – Closed
  • Sunday – Closed