Non-bank SME lender
Moula
Moula is a non-bank lender offering term loans to Australian small and medium businesses. Check whether Moula fits your client's scenario before you call.
Products
Term loan
Lender overview
Moula unsecured business loans
About Moula
Moula is an Australian non-bank lender that provides unsecured business loans to small and medium businesses. It was founded in 2013 and is based in Melbourne. Liberty Financial first invested in Moula in 2015 and took a controlling stake at the end of 2025. Moula is a member of the Australian Finance Industry Association (AFIA) and was one of the six original signatories to AFIA's Code of Lending Practice.
How Moula lends
Moula assesses applications using business data. Applicants link their bank or accounting data with view-only access, and Moula reviews cash flow and trading alongside a credit check, which runs with the applicant's consent at the final stage. Applications are made online. Loans are unsecured, and smaller loans don't require upfront asset security. Company borrowers give a director's personal guarantee; sole traders don't. Moula lends to businesses only and doesn't offer consumer credit.
Moula products
Unsecured business loan: a lump sum repaid over a set term with regular repayments. Moula promotes it for cash flow, overheads like wages and utilities, stock, equipment and refinancing business debt.
Working with Moula as a broker
Moula runs a Partner Program for brokers and referrers. Partners register with Moula, clients complete the application online, and partners can track applications through Moula's partner portal. The program is supported by state-based BDMs and a partner support team. Moula says partners earn ongoing commission on the loans they refer, and partners can choose to pass part of it on to the client as a discount.
What your client will usually need
ABN or ACN, and GST registration
Linked business bank or accounting data
ID verification (online by default)
Director details for a personal guarantee (companies)
Is Moula the right fit for your client?
Loan amounts, terms, minimum trading history and turnover change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Moula fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Moula FAQs
Is Moula a bank?
No. Moula is a non-bank lender focused on business loans for Australian SMEs.
Does Moula work with brokers?
Yes, through its Partner Program, with a partner portal and state-based BDMs.
Does Moula pay broker commission?
Moula says partners earn ongoing commission on loans they refer. It doesn't publish commission rates.
Are Moula loans secured?
They're unsecured. Smaller loans don't need upfront asset security, but company borrowers give a director's guarantee.
Who owns Moula?
Liberty Financial holds a controlling stake, after first investing in 2015.
Does Moula follow a lending code?
Yes. It was one of the original signatories to AFIA's Code of Lending Practice.
Similar lenders on Visro
Sources
Information on this page is general, is based on Moula's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Moula.
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.