Great opportunities don't wait. Why should your funding?
One enquiry, and we compare real options across our lender panel, while the deal is still on the table.
4.7 Google rating (40 reviews) · FBAA Member
Banks + non-banks
lenders on our panel
Not a lender
finance broker: the lender decides
4.7★
Google rating, 40 reviews
500+
businesses funded
You fill in your details once. We take them across our lender panel for you.
Options matched to how your cash flow actually moves through the year.
Repayments and structures that fit the way your business trades.
Clear terms explained before you commit, including how we are paid.
Unsecured options available, so funding need not tie up your home.
Loan options
Working capital without property security.
Learn moreLarger amounts at sharper rates.
Learn moreRepay in step with your card sales.
Learn moreRoll multiple repayments into one.
Learn moreUnlock cash tied up in unpaid invoices.
Learn moreFund machinery, tools and tech.
Learn morePay suppliers while stock is in transit.
Learn moreDraw funds as you need them.
Learn moreCars, utes and commercial fleets.
Learn moreExplore all business loans Not sure which fits? Check your options
Every trade has its own cash-flow rhythm. We know how yours moves, and which lenders on our panel tend to fit it.
Agriculture & farming
Machinery, utes, inputs bought a season ahead, and repayments that can follow the harvest.
Explore Agriculture finance
Hospitality & cafés
Fit-outs, commercial kitchen gear, stock before the rush, and the quiet months in between.
Explore Hospitality finance
Retail & e-commerce
Buying stock before the season sells, fit-outs, and bridging supplier terms against your sales.
Explore Retail finance
Trades & construction
Tools, vehicles, materials up front, and bridging the gap between doing the work and being paid.
Explore Trades & construction finance
Health & allied health
Practice fit-outs, clinical equipment, hiring, and opening a second set of rooms.
Explore Health finance
Professional services
Hiring ahead of billings, office and technology, and bridging project-based invoicing.
Explore Professional services finance
Transport & logistics
Trucks and trailers, running costs, and carrying the gap between delivery and payment.
Explore Transport & logistics finance
Byron Bay based, working with businesses right across Australia. Local to us? Start with our business finance broker Byron Bay page, or see how we work as a business finance broker for the Northern Rivers.
How it works
A short conversation about your business, your numbers and your timing.
We match your needs across our lender panel and bring back real options.
Pick the offer that fits: we handle the paperwork through to settlement.
Quoting a job first? Our free Australian GST calculator adds 10% GST to any amount or reverses it out of a GST inclusive total.
Customer stories
Cash flow in retail is lumpy, so a line of credit made far more sense for me than a lump-sum loan. I draw down when stock orders are due and pay it back after the season sells through. Having that buffer sitting there has taken so much stress out of running the shop. Only wish I'd set it up years ago.
My biggest client pays on 60-day terms and it was slowly strangling my payroll. Invoice factoring let me get most of the money up front instead of waiting two months. Now I can pay my contractors on time and take on bigger projects without sweating the gap. It changed how I run the business.
A merchant cash advance worked well for me because repayments flex with my daily card takings. Quiet week, I pay less; busy week, I pay more. It suited the ups and downs of a restaurant far better than a fixed loan. Would have given five stars if the initial paperwork had been slightly quicker, but no real complaints.
Testimonials reflect individual customers' experiences. Outcomes vary and depend on the lender and your circumstances.
121 Brokers Pty Ltd (ABN 37 674 323 712) is a finance broker, not a lender. We arrange finance through third-party lenders. Approval, interest rates, fees, timing and the funds themselves are set and provided by the lender, not by 121 Brokers.
Blog
Equipment Finance
A chattel mortgage lets your business own an asset from day one while the lender holds security over it. How it works, what you can finance, and the costs.
The 121 Brokers Team · · 8 min read
Business Loans
What you need to get a business loan in Australia: the requirements checklist, the documents lenders ask for, and how the file changes for secured finance.
The 121 Brokers Team · · 9 min read
Invoice Finance
Invoice finance advances most of an unpaid invoice now instead of waiting 30 to 90 days. A plain-English guide, a worked example and the real costs.
The 121 Brokers Team · · 9 min read
Vehicle Finance
Ute, truck and trailer finance for tradies and transport operators: chattel mortgage or lease, the vehicle as security, and the GST and logbook basics.
The 121 Brokers Team · · 9 min read
Business Loans
Fixing pays off only if the variable rate averages above your break-even over the fixed period. On an invented $300,000 loan, fixing at 9.40% for 24 months breaks even at 9.40%; a fee pushes it higher. Run your own quote.
121 Brokers Team · · 15 min read
Business Loans
The RBA's fourth rise of 2026 took the cash rate to 4.60%. On an invented $250,000 business loan at 9.00%, 25 points adds $29.72 a month and the four 2026 rises add $119.39. Run your own balance.
121 Brokers Team · · 15 min read
Line of Credit
Add up every facility, apply the rise to the variable ones and compare the new total with your surplus. On an invented two-facility business, 25 points adds $34.19 a month and the four 2026 rises add $137.17. Here is the six-step method.
121 Brokers Team · · 15 min read
Equipment Finance
Waiting for a lower rate saves interest, but the asset earns nothing while you wait. On an invented $120,000 machine, an assumed 50 point lower rate a year away saves $1,728.99 in interest and forgoes $7,200 of benefit. Run your own numbers.
121 Brokers Team · · 14 min read
No. 121 Brokers is a business finance brokerage, not a lender. We arrange business-purpose finance: we take one picture of your business to the banks, non-bank lenders and specialist financiers on our panel, and bring back options to compare. The lender you choose approves, funds and sets the terms.
Business-purpose finance across the range: secured and unsecured business loans, equipment and vehicle finance, invoice finance, trade finance, lines of credit, merchant cash advances and debt consolidation. Tell us what the business needs once and we compare the options that fit across our lender panel, with the trade-offs explained.
The lender sets the decision timing, not us. Once you enquire, we compare options across our panel and you choose whether to proceed. The lender you pick assesses the application against its own credit criteria and makes the decision; we relay the outcome and any conditions to you. We tell you what to expect before anything is submitted.
Australia-wide. We are based in Byron Bay in the Northern Rivers of New South Wales, and we arrange business-purpose finance for businesses across Australia. Enquiries, documents and lender applications are handled by phone, email and video, so where you trade makes no practical difference to the options we can compare.
121 Brokers Pty Ltd is a member of the Finance Brokers Association of Australasia (FBAA) and of the Australian Financial Complaints Authority (AFCA), the external dispute resolution scheme. We arrange business-purpose finance only. More detail on how broking works, and how we are paid, is on our FAQ page.
More questions, including how we are paid and what happens after you enquire, are answered on our FAQ page.
Looking for a business loan broker rather than a single lender? The business loans page sets out the products we compare. Still deciding which way to go? Read bank vs broker for a business loan first.
One enquiry, and we compare across our lender panel. We won't submit anything to a lender without your say-so.
