What business loan leads cost in Australia, and what drives the price
There is no list price for a business loan lead, because the price is set by how narrow a funnel the enquiry had to survive. Every filter you ask for makes each delivered enquiry scarcer, and scarcity is what you pay for.
A business loan lead is priced from two directions. From the production side, someone paid for a click on a lending keyword, a landing page, a qualification form, an SMS code, and a review that rejects what does not fit. Every stage loses people, and the price of the survivor carries the cost of everyone who dropped out.
From the value side, the ceiling is your commission. The published average business loan enquiry at La Vitesse is about $149,000, a smaller deal than a commercial property refinance, so business loan leads typically sit below commercial leads and above consumer finance leads. Inside that band, your quote moves with the filters you set, the states you want and the weekly volume you agree. The general drivers are covered in what finance leads cost; this page is about the business loan flow specifically.
Whether you run the ads yourself or buy the result, a verified business loan enquiry comes through the same funnel. Each stage is a cost and a leak.
- The click. Lending keywords are bid on by lenders, aggregators, fintech platforms and other brokers, so a business-loan search click is among the dearer clicks a broker will ever buy. Social clicks cost less and carry less intent, so more are needed per qualified enquiry.
- The form. Asking for ABN, GST status, time trading, amount, purpose and timeframe before the submit button is where a large share of visitors leave. A provider that asks less has a cheaper form and a lead that tells you less.
- The SMS code. Confirming the mobile before the lead ships removes mistyped and invented numbers. It also loses some genuine people who do not bother, and their click was still paid for.
- The review. Automated scoring and a human qualification review reject enquiries that fail the stated criteria: no ABN, no GST registration, not actually seeking finance. A rejected enquiry is pure cost; it never becomes an invoice.
- The sale. An exclusive lead is sold once, so its whole production cost lands on one buyer. A shared lead spreads that cost across several buyers, which is why it is priced lower and worth less.
A quote that looks low is usually a funnel with a stage missing.
Loan amount floor
Ask only for enquiries above a set amount and every smaller one the campaign produced is not yours, and still cost money to produce. The floor you choose is one of the biggest levers on price.
Trading-history floor
Requiring a longer trading history suits most lender panels and removes a large share of submissions. Tighter history, fewer survivors, higher unit cost.
Geography
A national campaign draws on the widest pool. One state or a postcode range narrows it, and clicks that land outside your area are still paid for.
Industry exclusions
Ruling out, say, hospitality or construction is sensible if your panel will not write them, but each exclusion shrinks the pool and lifts the price of what remains.
Cadence
A steady agreed number per week lets a campaign run efficiently. Stop-start ordering costs more to serve and is quoted accordingly.
Set the quote against commission, not against other quotes. Business loans pay less per funded deal than commercial property and many end up unsecured, so the arithmetic is tighter and worth doing before you agree a number.
Hypothetical example, round numbers only, not a quote or a forecast: suppose a funded business loan earns you $4,000 in upfront commission, you reach seven in ten enquiries, and you settle one in six conversations. That is roughly eight to nine leads per funded deal. Multiply any per-lead quote by nine and set it against the $4,000. If the margin left is one you would accept on any other marketing spend, the price is fair for you; if not, the fix is a cheaper lead or a better conversion rate, and the second is usually in your control.
Two things move that sum. Speed: an owner asking for working capital is rarely asking in only one place, so an enquiry called within the hour and one called the next morning are two different assets at one price. Capacity: buy more than you can call the same day and the late ones convert worse, so cost per funded deal rises while the invoice does not. The full method is in cost per funded deal.
Business credit is growing 10.8% year on year (RBA Financial Aggregates, July 2026), and June 2026 was the strongest post-pandemic month for business lending, with balances up $19.3bn to $1.26tn (APRA Monthly ADI Statistics, June 2026).
More borrowing means more lenders, platforms and brokers bidding on the same searches, which is a large part of why a business-loan click is dear, and why a quote is tied to the month it is given.
La Vitesse runs its own Google and Meta campaigns for business loan leads, captures ABN, GST status, time trading, amount, purpose and timeframe, verifies every mobile by SMS and sells each enquiry once, to one broker. Pricing is quoted on a call, by niche and volume, with no lock-in contracts, no setup fees and no monthly retainers. Our published contact rate is 72.5%, so you can run the sum above with a real figure in the contact slot.