Business finance for ABN holdersHow it works
Circlestone helps you find the right starting point. Our lending partner LoanOptions.ai handles the application and matching. The lender makes the decision.
You pick what you need
Business loan, cash flow, equipment or a business vehicle – and use our calculators to get a feel for repayments.You apply once with LoanOptions.ai
The application form on our site is provided by LoanOptions.ai. It asks about the business, the amount and the purpose. Your answers go to LoanOptions.ai, not to us.LoanOptions.ai matches and explains options
It compares lenders on its panel and talks you through what may suit. Ask LoanOptions.ai what credit checks are done and when.The lender decides
Approval, rates and fees are up to the lender, after its own assessment. You decide whether to go ahead.
Who does what
| Circlestone | LoanOptions.ai | Lender | |
|---|---|---|---|
| Guides and calculators | ✓ | ||
| Application and matching | ✓ | ||
| Credit assistance | ✓ | ||
| Credit assessment and approval | ✓ | ||
| Paid by | LoanOptions.ai (referral fee) | Lender | You (interest and fees) |
Straight up: Circlestone is a referrer. We don't provide credit assistance or credit advice, and we don't assess whether a loan suits you – LoanOptions.ai and its lenders do that under their own licences, subject to their own criteria, fees and terms. We may receive a referral fee from LoanOptions.ai if your finance settles. Any fees are set by LoanOptions.ai or the lender and shown to you before you sign. See How we get paid.
Business purposes only. Finance for personal, household or domestic purposes isn't offered through Circlestone.
Not a standard case? New ABN, patchy trading history, an ATO arrangement, lumpy income or been knocked back elsewhere? Before you apply, send us an email. A real person reads it, and we'll look at your situation and point you to the right partner or option. No promises, but we'll try to find a path.