Business Loan Selector is our online business loan platform powered by Valiant that enables you to find and settle business finance from a network of over 80 leading lenders across Australia, including the top banks and alternative loan providers.

Qantas Business Rewards has partnered with Valiant who are experts in business loans. Valiant provides Qantas Business Rewards with the technology and expertise to help you find the right loan type for your specific business needs.

Valiant Finance was founded in 2015 in Australia and holds an Australian credit licence. Valiant has a network of over 80 lenders and finance specialists on hand to ensure Australian small business owners find loans that supports the growth of your business and save you valuable time.

The Business Loan Selector connects you with Valiant and based upon the business information you provide through an online loan quote or to a Valiant Finance Specialist, they will match the information you've supplied with the loans available from their 80+ lenders that are best suited to your business needs.

You can compare a wide range of business finance options including working capital, asset finance, property finance, finance for starting or acquiring a business.

You can search and apply for business loans from $5,000 to $10 million. The business loan amount must be a minimum of $15,000 in order to earn Qantas Points.

A Valiant Finance Specialist will be assigned to your loan application and work with both yourself and the lender to ensure your application is processed as quickly as possible and avoid any delays to ensure you receive finance as fast as possible.

There are no fees or charges to search through Business Loan Selector and any quotes or advice you get are obligation free. If you choose to apply for a loan, a Valiant Finance Specialist will submit your application to your preferred lender and support you with your application. Both Valiant and Qantas will receive a commision if your loan is approved but you will typically not be charged. Occasionally for secured finance loans depending upon the lender, Valiant may charge an engagement fee or success fee and you will be informed and have the opportunity to agree before any fees are incurred.

You can either complete a loan quote form hereOpens external site in a new window, call and speak with a Valiant Finance Specialist directly on 1300 974 303 between Monday to Friday, 8:30am-5:30pm AEST or request a call back here to speak with a Valiant Finance Specialist at a convenient time for you. Through any of these methods, you will be able to compare quotes and apply for the right loan for your business.

Qantas Business Rewards members can earn Qantas Points for their business when they settle a loan via the Business Loan Selector. If you apply for a loan through the Business Loan Selector online quote or via a Valiant Finance Specialist on 1300 974 303, and your loan is approved by the lender, Qantas Points will be credited to your Qantas Business Rewards account up to 30 days after the loan settlement date or first draw down depending on loan type.

There are broadly three types of business loans that are available through the Business Loan Selector that you can earn Qantas Points on that include the following type of finance options:

• ‘Working capital’ – Includes unsecured term loan, line of credit, overdraft, trade or supply chain finance, merchant cash advance facilities or similar products. Working capital loans are typically used for day-today capital, fitout or refurbishment, starting a business and refinancing debt.
•  ‘Asset finance’ – Includes all products secured by a vehicle or serialised asset or piece of equipment. Loan types include asset finance, equipment finance, chattel mortgage, commercial hire purchase, asset lease or asset rental. Asset finance loans are typically used to purchase vehicles or equipment where the primary use is business purpose. 
• ‘Commercial’ – includes secured commercial finance, caveat loans, invoice discounting or debtor finance and any loans which are secured against property. Commercial loans are typically used for purchasing property, refinancing an existing property backed loan, development finance, where loans are used to fund project developments and construction loans.

Depending upon your loan amount, upon settlement of the loan, Qantas Business Rewards members will earn:

•  10,000 Qantas Points on asset finance and working capital loans between $15,000 - $39,999
• 25,000 Qantas Points on asset finance and working capital loans between $40,000 - $79,999
• 50,000 Qantas Points on asset finance and working capital loans $80,000 and above 
• 50,000 Qantas Points on commercial loans $300,000 and above 

A minimum loan amount of $15,000 is required to earn Qantas Points.

Qantas Points will be credited into your Qantas Business Rewards account up to 30 days after your loan has been settled or first draw down depending on loan type. Your settlement date is the day that the funds of your loan are transferred to you.

If it has been more than 30 days since your loan has settled, please contact our Qantas Business Rewards Service Centre on us on on 13 74 78 between 7am to 7pm (AEST) Monday to Friday.

Business loans come as either secured or unsecured loans and allow businesses to borrow from $5,000 to $10,000,000. An unsecured loan means that you receive approval without the use of property or other assets as collateral. Such loans are usually approved based on the creditworthiness of the business. A secured loan means the business has provided some asset as collateral for the loan.

The key factors that a lender will look into when assessing your business loan application, typically includes the following criteria but each lender is different and will have their own specific criteria:

• Time in business 
• Annual turnover
•  Credit profile 
• Existing debt (outstanding tax, etc) 
• Company structure