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Judo Bank vs Non-Bank Business Lenders
Judo Bank vs Non-Bank Business Lenders is a funding-fit comparison, not a single recommendation. The better starting point depends on product type, funding amount, repayment rhythm, eligibility signals, speed, documents and total cost. Compare the situation first, then check current lender terms before applying.
Key facts
Overview
Judo Bank is an Australian SME-focused bank offering relationship-led business lending. Non-bank lenders offer faster, more flexible pathways for some businesses.
Compare business loan rates and lenders in Australia
Filter by product, amount and security type to narrow suitable options.
Product type
| Lender | Product | Rate from | Amount | Term | Speed | Compare |
|---|---|---|---|---|---|---|
| Liberty | Liberty Business Loan Flexible criteria and sole traders | 7.95% - 17.45% | $10,000 - $350,000 | 1-7 years | 24-72 hours | Compare now |
| Prospa | Prospa Business Loan Fast unsecured working-capital access | 13.90% | $5,000 - $500,000 | 0.3-3 years | Within 24 hours | Compare now |
| Banjo | Banjo Business Finance Growing SMEs needing flexible capital | 14.20% | $20,000 - $500,000 | 0.3-3 years | 1-2 business days | Compare now |
| Lumi | Lumi Line of Credit Reusable credit for ongoing gaps | 14.55% | $10,000 - $750,000 | 0.5-5 years | 24-48 hours | Compare now |
| OnDeck | OnDeck Business Loan Fast online unsecured lending | 15.00% | $10,000 - $250,000 | 0.5-3 years | 24-48 hours | Compare now |
| Moula | Moula Business Loan Short-term cash-flow funding | 15.80% | $5,000 - $250,000 | 0.3-2 years | Same day possible | Compare now |
| Capify | Capify Business Loan Short-term revenue-linked funding | 16.50% | $5,000 - $300,000 | 0.3-2 years | Within 24 hours | Compare now |
Liberty
Liberty Business Loan
7.95% - 17.45%
$10,000 - $350,000 • 1-7 years
24-72 hours
Best for: Flexible criteria and sole traders
Compare nowProspa
Prospa Business Loan
13.90%
$5,000 - $500,000 • 0.3-3 years
Within 24 hours
Best for: Fast unsecured working-capital access
Compare nowBanjo
Banjo Business Finance
14.20%
$20,000 - $500,000 • 0.3-3 years
1-2 business days
Best for: Growing SMEs needing flexible capital
Compare nowLumi
Lumi Line of Credit
14.55%
$10,000 - $750,000 • 0.5-5 years
24-48 hours
Best for: Reusable credit for ongoing gaps
Compare nowOnDeck
OnDeck Business Loan
15.00%
$10,000 - $250,000 • 0.5-3 years
24-48 hours
Best for: Fast online unsecured lending
Compare nowMoula
Moula Business Loan
15.80%
$5,000 - $250,000 • 0.3-2 years
Same day possible
Best for: Short-term cash-flow funding
Compare nowCapify
Capify Business Loan
16.50%
$5,000 - $300,000 • 0.3-2 years
Within 24 hours
Best for: Short-term revenue-linked funding
Compare nowRates shown are publicly advertised starting rates and ranges where available. Your actual rate depends on lender assessment, security, turnover, time in business, credit profile and loan structure. Updated 10 May 2026.
Decision guide
How this page is reviewed
Compare the main funding paths
How Judo Bank and non-bank lenders compare
This comparison helps narrow the likely-fit category before researching individual lenders.