1
Book Your Free Consultation
Tell us about your business and what you’re looking to achieve. No paperwork yet — just a conversation.
2
We Search the Market for You
We compare business finance options across 70+ lenders — banks, specialist lenders, and non-bank financiers — and present you with a clear picture of what’s available.
3
We Handle the Details
From application through to approval — we manage the process so you can focus on running your business.
4
You Get the Right Finance
Not just any loan. The finance structure that fits your business, your cash flow, and your growth plans.
What Our Clients Say
Unlocked are one of the best in the business. We went with Sam and his team at Unlocked 6 years ago and we never looked back. They have always gotten us the best. Always reliable, always helpful and they always work hard and look after their customers.
1000% recommend for anyone that’s looking for any home loan, personal loan or car loan. Call Sam and his team, you won’t be disappointed!
Locally owned and operated since 2015
At Unlocked, we work with businesses of all sizes — from sole traders in Toowoomba to established enterprises operating nationally. Whatever stage your business is at, we find the finance structure that fits without the delays and handoffs you’d expect from a bank.
Why Choose Unlocked for Business Finance?
100% Independent: We’re not aligned to any bank or lender. Our job is to find the right finance for your business — full stop.
Extensive Options: We compare options across 70+ lenders — including banks, specialist business lenders, and non-bank financiers — to find the right fit for your needs and industry.
One Dedicated Broker: The broker you speak to first is the broker who sees your finance through. No handoffs, no starting over. Consistent, dedicated support from first conversation to settlement.
Plain-English Communication: Business finance can be complex. We translate it into plain English, keep you updated throughout, and make sure you understand every step before you commit.
Close to a Decade of Results: We’ve been helping Toowoomba businesses — and clients across Australia — unlock the right finance for close to a decade. We know the local market and the lenders who understand it.
Our understanding of the Toowoomba and broader Queensland business landscape means we can offer more than just a loan comparison. We’re a long-term partner in your business’s growth — checking in after settlement to make sure your finance keeps working hard for you.
Whether you’re just starting out or looking to scale, our business finance solutions cover the full range:
Startup & Early-Stage Funding: Launching a business is exciting — and financially complex. We help new operators explore the full range of funding options available and find the structure that gives them the best start.
Expansion & Growth Capital: Ready to open a new location, take on more staff, or increase your capacity? We’ll help you find the funding to make growth happen without putting unnecessary pressure on cash flow.
Equipment Financing: From vehicles and machinery to office technology — we find flexible equipment finance options that let you acquire what you need while preserving your working capital. See our Equipment Finance page for more.
Working Capital: Seasonal fluctuations, unexpected expenses, or a growth opportunity that needs fast action — working capital finance gives your business the breathing room to keep moving forward.
At Unlocked, we’re not just finding you a loan — we’re helping you unlock your business’s full potential. Ready to see what’s available? Book a free consultation and let’s get started.
Sam & Chloe Benz
Dealing with lenders directly can mean weeks of back-and-forth, repeated paperwork, and no guarantee of the right result. We compare across 70+ lenders and come back to you with options, not more questions.
Market updates, practical guides, and straight-talking finance education — to help you make better decisions for your business.
