Tractor SME Growth Business Loans

Growing an SME is hard enough. Finding flexible capital that doesn't cost you equity shouldn't be. Access $100K–$3M in debt funding, fast.

Up to $3 million in funding

Approval in as little as 24 hours

Fast, guided process - no 47-page forms

Apply Now Talk to team

Quick 5-min apply

$

$300k - $3M

Funding Access

Get access up to $3 million.

3-4

Days

Approved in 3-4 Business Days.

3-36

Months

3-36 Month Loan Repayment Terms

$120 million+ in funding disbursed. 250+ incredible tractors.

We've backed over 250+ businesses across AU & NZ. Not just with capital - with community, connections, and a founder-friendly team that genuinely gives a damn.

Founders Who've Been in Your Shoes 👟

These founders didn't wait months for capital. They applied, connected their Xero, and had cash moving in their business within the week. Here's why they chose Tractor - and what happened next. 🚜

Permission Granted:
‍You Can Scale Faster 🚀✅

After working with 250+ AU & NZ companies, here are just some of the top use cases of how SME founders and businesses actually deploy Tractor capital into:

Cover key periods for payroll without stress
Lock in inventory orders before suppliers close
Fund year-end team bonuses to retain top talent
Pay your tech infrastructure bills (AWS, hosting, SaaS)
Prep and launch your Q1 marketing campaigns
Bridge supplier payment gaps while clients "get back in a few months"

Upfront contract costs so you can deliver on MOU's
Fund product development sprints before your next launch
Hiring a Head of Customer Success to protect and grow their existing revenue
Getting to a milestone that justified a higher cap table valuation
Replace expensive credit card or merchant cash advance debt
Funding a rebrand or product repositioning ahead of a big partnership

Pay BAS, GST, and PAYG on time without penalties
Extend runway while closing your next funding round
Hire that key team member before someone else does
Cover rent, insurance, and fixed costs over the break
Fund final product development sprints before launch
Pay down expensive credit card or merchant cash advance debt

It takes minutes to apply (not your average funding process). 🙂

We know you don't have time to waste. So we made this as fast as humanly possible - just 5-10 mins to apply, and 24–48 hours to assess.

Step 1

Quick Apply + Xero Connect

Jump in, fill out the basics, and connect Xero so we can see your revenue picture. The whole thing takes about 5 minutes.

Step 2

We Assess

Our team gets straight into it. We review your revenue trajectory and if you fit our criteria, you'll hear back from us within 24 hours.

Step 3

Cash In Your Account

Approved and funded within 3–4 business days (on average - sometimes faster). Opportunities don't wait around, and neither should your capital. 🚜

Apply Now

Quick 5-min apply

"When you’re a startup, things are really difficult. You’re hustling for cash and customers, and trying to figure things out, and you don’t have a huge amount of time...

We used the Tractor loan to bring in people that had a lot of expertise and some industry experience, who could codify what was really successful about our sales process and products, so we could take things to the next level."

Alexandria Garlan, Co-Founder & CEO, SignOnSite

"The team at Tractor have helped us create some serious torque in our pursuit of impact. At every level the team has expertise, skills and experience - coupled with networks and a community that are really helpful when you need them."

Tim Glover, Founder & CEO, Glow

"While some businesses might focus on the "capital" aspect of a capital partnership, the true value we see at Tractor is in the incredible community of like minded businesses that Jodie and her team have pulled together. Jodie and her team have created an incredible network of entrepreneurs and innovators, and we can’t wait to learn, share, and grow alongside them. We’re thrilled to be joining Tractor, combining the benefits of both funding and community to power Yabbr forward!"

Logan Leatch, CEO, Yabbr

storytelling

Helping SME's scale

Tractor backs growing SMEs with capital. Learn how other founders we've funded are using debt funding to grow faster (on their terms), without giving up equity to do it.

Learn More