Rating based on 12 reviews


  • Business loans up to $250,000
  • Low-interest starting from 15.99%
  • Repayment up to 36 months

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

Moula - a transparent credit provider

Getting funding for businesses used to be a hard task. As much as they may have a bright idea that has been turned into a gold mine, it used to be a mission to get business finance for that great invention.

Moula has realised the problem that potential businesses face when they're looking for advances and they've seen to it that they come with a change. They've seen to it that they have an easier loan application that doesn’t involve endless paperwork and a hefty waiting period. The faster they answer your online loan applications, the quicker your business will start making money. This way, all parties win.

Moula’s partners in financial success

  • Officeworks
  • Liberty
  • Xero

Transparency is the name of the game

They're as clear as they come. They'd never leave you in the dark or do procedures that aren’t according to the book. Everything they do is easy to understand for the client and they go out of their way to ensure that they explain everything in fine detail.

They take their business seriously

Every loan application that they approve is one way of changing the life of somebody’s business prospects. Knowing that they're accountable for the success of organisations gives them a lot of sweet dreams at night. Therefore, never doubt your presence when you're in their humble abode.

You can borrow between $5000 and $250 000

You're required to apply online for a long or short-term loan. The online application takes minutes to complete.

In this section, you'll be asked for personal information such as your credentials, financial information such as balance sheets and income statements of your company and proof of residence. They'll never use your private information for other matters other than the purpose of your loan application. You can rest assured that everything is safe and secured with them.

Business loan verification and assessment

After you've applied for the business loan, you'll need to submit the relevant documentation that they need to process your loan application. They can’t continue with the assessment until you submit your documents to them.

The money will be deposited in your account

Once they're happy with the application, they'll send the money to your nominated bank account. Depending on the time you applied for the loan, your money will be available on the same business day or the next.

Are you eligible for a business loan?

You need to meet the following requirements in order to be eligible for a business loan:

  • You need to be an ABN or ACN
  • You need to have an operation longer than a period of 6 months
  • The business needs to at least make $5000 in profits on a monthly basis

Moula – Business loan

  • Loan Type Business loans
  • Interest Rate 15.9935.99% p/a
  • Loan Amount up to $250,000
  • Repayment 6 months to 36 months
  • Decision 24 hours

Benefits of Moula

  • Affordable business loan options
  • Apply online in 10 minutes
  • A transparent service
  • No repayments for the first 6 months

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.

Moula - Affordable business loans

You can borrow between $5000 and $250 000. Should your business need more than $250 000, you can contact them, and they'll gladly help you.

How long are the loan terms?

Initially, the loan terms range from 6 – 12 months. However, they've had cases where they've had a loan for 24 months.

How long does the loan process take?

The quick loan application takes less than 10 minutes to complete and they'll notify you of their response in less than a business day. They're trying to move away from making you wait for days on end without knowing where you stand with their loan application process.

Do they check your credit score?

Part of ensuring that they follow all the protocols is to ensure that they check your credit score. You need not worry about this process because it won't change your possibility of getting a loan with them. They're just following their guidelines on their loan application process and they'll never limit your chances of getting an advance.

How is Moula different from other banks?

Banks usually take longer to get back to you as far as their loan applications are concerned. Whereas Moula lets you know as early as a business day if your emergency loan has been approved or not. This way, if they've declined your application, you'll have enough time to look for other financial options.

Can you re-apply in the near future if you're rejected?

You're more than welcome to apply for a business loan in the future if you were declined. They won't turn you away nor will they give you any hassles seeing that your information is already on their database. They'll only require recent documentation and you'll be good to go.

Is a Moula business loan unsecured?

Yes, their loan options are not protected. However, in the event of you skipping your payments, you may be liable for not receiving future assistance from them. It's important that you read the terms and conditions before you accept the loan terms.

Who is Proviso Data?

Proviso Data is an organisation that seeks to make your loan application process short, fast and convenient. All your information is kept private and confidential.

man holding thumbs up

Moula is a trusted & reliable provider of business loans

In our review, Moula adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Moula is a registered credit provider in Australia: ACL 95164875325

Customer Reviews & Testimonials

Great company website that allowed me to work out just how much my business could actually afford to borrow. Great product and well worth the fees!

Jonah H
— Canberra —

Moula had excellent consultants who are eager to assist and very proficient in what they do. Very good service.

Micah H
— Adelaide —

Fast pay-out after your business loan has been approved, just what I needed. The application was all done online and very quick and simple.

Hudson T
— Perth —

Very affordable unsecured business loan that pays out your loan amount within one business day. Moula really is top notch!

Kyle B
— Brisbane —

Moula Contact

Physical Address

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday – Closed
  • Sunday – Closed