About us
Business funding without the drag
We exist for the owner who needs a straight answer this week, not a decision next month.
Who we help
Air Business Loans works with trading Australian businesses that need working capital quickly and want the process to feel simple. Our people are cafe owners covering a slow winter, civil contractors waiting on progress claims, online stores buying stock before a sale, clinics replacing equipment and tradies paying wages while a builder sits on an invoice. What they share is a business that earns money every week and a timing problem that is costing them sleep.
We focus on cash flow lending: unsecured business loans and lines of credit, typically from $5k to $500k, assessed largely on how the business trades. When a larger amount makes sense, or an owner would rather use property, secured options from $20k to $5m are available too. Everything we help with is for business purposes.
Why we are built this way
Traditional business lending often asks for two years of financials, a valuation, a business plan and several weeks of patience. That process suits some borrowers. It does not suit an owner who needs to make payroll on Thursday. Cash flow lenders took a different path: read the business bank statements, understand the rhythm of deposits and outgoings, and make a decision on that. We built Air Business Loans around that model, and around the idea that the person enquiring should always know where they stand.
Our promises
No credit check to enquire
Find out where you stand without a mark on your credit file. A check only happens later, once you choose to go ahead with an offer.
No spray and pray
Your details are not fired off to a list of lenders. One team reads your enquiry and works out the right fit for your business.
A real person, quickly
A human reviews every enquiry and gets back to you. Answer the form accurately and we can match you properly the first time.
We also hold ourselves to a few working rules. We will tell you plainly when something is not a good fit, including when borrowing is not the right answer at all. We will never publish a teaser rate, because every facility is priced on the business in front of the lender. And we will ask you to complete the enquiry accurately, because good answers at the start mean a better match and fewer surprises later.
How we work
You start with a 60-second enquiry. A real person reviews it, gets in touch and asks the questions that matter. If there is a sensible option, we explain the structure, the timeline and what the lender will need, which is usually recent business bank statements shared through a secure, read-only connection. Nothing is signed and no credit check happens until you decide to go ahead. You can read the full process on our how it works page.
Who is behind Air Business Loans
Air Business Loans is a division of TechGen. We do not have a shopfront and we do not take phone calls cold: every conversation starts with your enquiry, so the right person picks it up with your details in front of them. When you are ready, start your enquiry here.
Let's get your cash flow moving.
One short enquiry, no credit check to enquire and a real person on the other end. Your details stay with us.