Hospitality & retail business finance
Business loans for cafés, kitchens & shopfronts
Fit-outs, commercial kitchens, espresso machines, stock for the Christmas rush and cash for the quiet months. Pronto Loans matches cafés, restaurants, bars, bakeries and independent shops with finance that suits how they actually trade.
- No credit check to enquire
- $5k – $5m
- A real person, not a call centre
Il patto · our three promises
Three promises on every enquiry
No credit check to enquire
Asking what's possible leaves your credit file untouched. A credit check is only discussed once you decide to go ahead.
No spray-and-pray
Your details aren't passed around a room full of lenders. One team looks at your venue or shop and matches it properly.
A real person on your file
Someone who understands hospitality and retail trading reads your enquiry and rings you. Accurate answers on the form mean a better match first time.
Chi serviamo · who we fund
Built for venues and shopfronts
Each business type trades differently, so each gets its own page: what lenders look at, what the money usually goes on, and what to prepare.
Cafés & restaurants
Venue by venue: how cafés, restaurants, small bars, bakeries and takeaways fund the things that keep the doors open and the tables full.
7 pages →Shops
Boutiques, bottle shops, delis, florists and gift stores: funding stock, shelves and the next shopfront without guesswork.
6 pages →Fit-outs & kit
From bare shell to opening night: paying the builder, the espresso machine, the cool room and the bond on the lease.
7 pages →Seasonal trade
Christmas rushes, winter lulls, public holidays, Payday Super and EOFY: planning the cash that hospitality and retail calendars demand.
6 pages →Il conto · the real bill
The builder's quote is never the whole bill
Contingency, the bond, rent while you build, wages for training week and a cool room full of opening stock all land before your first customer walks in. Try the quick version here, then open the full estimator for the line-by-line budget and a GST timing plan.
- Line-by-line budget for cafés, restaurants, bars, bakeries and shops
- Shows what you pay upfront, and when the GST comes back
- Points you to the kind of finance that fits the gap
Come funziona · how it works
From enquiry to funded, without the runaround
- 1
Order at the counter
Tell us the amount, what it's for and a little about your venue or shop. It takes about 60 seconds, and there's no credit check when you first enquire.
- 2
A real person reads it
Someone who understands hospitality and retail trading looks at your enquiry and calls you to fill in the gaps: your lease, your trading pattern, any property you own.
- 3
Options, served straight
We explain what's realistic: unsecured or property-secured, how much, what it takes and what it costs. No pressure and no pile of lenders ringing you.
- 4
Paperwork, then funds
Only when you choose to go ahead. We tell you exactly which documents are needed, and funds go to you or straight to the builder or supplier.
Miti · myths we hear
Things owners are told about borrowing
Most of these come from a single "no" at a bank counter. Here's the fuller picture.
Myth
"Lenders won't touch hospitality."
Reality
Some won't. Plenty will, when the numbers and the security make sense. Your bank statements, your lease and any property you own matter more than the word "café" on your ABN.
Myth
"Just asking will mark my credit file."
Reality
Not here. There's no credit check when you first enquire. We only talk about one after you've seen your options and decided to go ahead.
Myth
"I need two full years of tax returns."
Reality
Some options do. Others are sized on your turnover and recent business bank statements, and property-secured loans lean more on the property than on paperwork.
Myth
"An ATO debt or old default is an automatic no."
Reality
Both are looked at case by case. A payment plan that's up to date and steady recent trading help a lot. Tell us upfront and we'll work with it.
Due opzioni · two ways to borrow
Unsecured or property-secured?
Most hospitality and retail finance falls into one of two camps. Which one fits depends on the amount, how long you've been trading and whether there's property in the picture.
Unsecured & cash flow
Typically $5,000 to $500,000
Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Good for stock, smaller equipment, a refresh or bridging a quiet patch. Established trading history matters most.
When cash-flow finance suits a venue →Property-secured
$20,000 to $5,000,000
Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property. Often the path for full fit-outs, buying a venue or a second site, and for newer businesses without long trading records.
Funding a venue purchase →Bad credit and ATO debt considered case by case. Business purposes only.
Da leggere · guides
Guides for owners who do the numbers themselves
How to Open a Café in Australia: Costs, Permits, Timeline
Thinking of opening a café? A step-by-step Australian guide to the lease, fit-out, registrations, food safety, staff, GST and the money you need by day one.
GST on Food: A Guide for Cafés, Delis and Bakeries
Is there GST on a croissant, a loaf or a salad? A plain-English guide to GST on food for Australian cafés, delis and bakeries, and why POS coding matters.
Menu Costing: How to Price Dishes and Protect Margin
How to cost a menu in a café or restaurant: recipe cards, yield, food cost percentage, GST and wages, plus how to find the dishes quietly losing you money.
Domande · questions
Questions owners ask us
Does Pronto Loans lend to cafés and restaurants?
Yes. Hospitality and retail are what we focus on: cafés, restaurants, small bars, bakeries, takeaways, boutiques, bottle shops, delis, florists and other independent shops. Loans are for business purposes only.
How much can a hospitality or retail business borrow?
Property-secured business loans run from $20,000 to $5,000,000 using residential or commercial property as security. Unsecured, cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements.
Can I use the money for a fit-out or kitchen equipment?
Yes. Fit-outs, refurbishments, commercial kitchen equipment, espresso machines, cool rooms, shop fittings, opening stock, lease bonds and seasonal cash flow are all common reasons owners enquire.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've chosen an option and want to proceed.
Will my details be sent to lots of lenders?
No. We don't spray enquiries around the market. A real person reviews your situation and matches it to a suitable option, so you won't be flooded with calls.
Can I get finance to open a brand-new café?
New venues are harder to fund unsecured because there's no trading history yet. Property security, your experience in hospitality and a clear budget make a big difference. Our fit-out cost estimator helps you build that budget.
Do you consider bad credit or ATO debt?
Yes, case by case. Be upfront about it on the form. Recent steady trading, an up-to-date ATO payment plan or property security can all help.
Do you publish interest rates?
No. Every loan is priced on the business's own circumstances — trading, security, amount and term — so a headline rate would tell you very little. You'll get real numbers once we understand your situation.
Tell us about your venue or shop
About 60 seconds, no credit check when you first enquire, and one real person who calls you back. Answer the form accurately and we can match you properly the first time.
No credit check to enquire
No spray-and-pray
A real person on your file