SME Recovery Loan (SMERL)

Get your business back on track with our Government-backed SME Recovery Loan (SMERL).

The Government has extended its assistance for SMEs impacted by Covid-19 and the recent foods, and we are proud to be able to offer low-rate specialist funding, secured against your recurring revenue, to help get your business back on track.*


*Valid for loans settled by 31 December 2021



A convenient cash buffer whether you need working capital or want to invest for growth


In principle loan offer within 72 hours#


Secured against recurring revenue so no property or tangible assets required as security

What a SME Recovery Loan looks like

Loan amounts

$250,000 to
$1.5 million

Loan terms

Up to six


Up to

Interest rate




Who would use it

SMEs from the verticals below who were recipients of JobKeeper or were negatively impacted by the recent floods:

Mortgage brokers
Financial planners
Real estate managers
Insurance brokers and businesses with recurring revenue streams

When you would use it

Any worthwhile business purpose

Acquisition funding

Debt consolidation

Business expansion

Buying out a partner

Working capital


  • Annual turnover of less than $250 million
  • Businesses that have accessed loans in Phase 1 and Phase 2 can apply for loans under the scheme.
  • Have been negatively affected by the COVID-19 pandemic

For a confidential conversation about how we can help, contact our experienced team to discuss your specific needs

Enquire now


Watch the video and get answers to the most frequently asked questions.

Whether you’re a mortgage broker, financial planner, rent roll business owner, accountant or other cashflow business, we can understand and support your specific business goals and needs.

Contact us

Suite 401, Level 4, 59-75 Grafton Street, Bondi Junction NSW 2022

1300 139 003