Rating based on 19 reviews


  • Business loans up to $100,000
  • Low-interest starting from 9.75%
  • Repayment up to 6 months

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Kikka homepage
Author Kikka. Screenshot of Kikka website.
[Accessed May 24, 2023]

About Kikka

Kikka was founded in 2015 by experienced industry professionals who envisioned a better way to do business finance.

With so much experience in the financial industry, it’s no wonder they realized that a revolution was poised to take place – one that put the borrower in a better position. Kikka is a local alternative credit provider offering business lines of credit that can be used to better manage the cash flow of any business whether it has been in operation for a year or for 10.

Kikka versus the banks

One of the major differences between Kikka and the large Australian banks is that they have significantly less stringent eligibility requirements for applicants.

For example, rather than requiring a 36-month operating history, like most banks, they only require that you have a 12-month operating history.

In addition, they have a completely paperless loan application procedure which means you don’t have to waste time filling in paperwork or standing in line at a bank.

Great customer service

Unlike large banks who value quantity over quality any smaller lender, Kikka included, offer more personalized customer service and is likely to be more flexible with regard to their requirements, application processes, repayments and so forth.

Kikka Services

Kikka is one of Australia’s newest business finance players having started operating in 2015. Although they lack a long history, they make up for it with the expertise and experience of their founders and team members.

Kikka offers an alternative way to get a business line of credit than the traditional banks. Rather than applying for a business loan why not consider a line of credit that can be reused, up to the set limit, once paid?

Get a line of credit up to $100,000

With Kikka small and medium-sized businesses can get business credit from $1,000 to $100,000 with simple loan repayment terms that suit your business’ cash flow.

No interest is charged

Kikka does not charge interest but, rather charge businesses that make use of their line of credit a fee that is then applied to the principal loan amount and deducted along with the principal once a month.

Make extra payments

You can make extra manual payments on your fast loan at any time you wish at no extra cost or charge with this lender. In fact, Kikka encourages business owners to repay early if their income and cash flow allows for this.

Kikka – Business loan

  • Loan Type Business loans
  • Interest Rate from 9.75%
  • Loan Amount up to $100,000
  • Repayment 30 days to 6 months

Benefits of Kikka

  • Business Finance

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a quick business loan with Kikka, simply apply online

In order to get a loan from Kikka, your business must have been in operation for at least a year, have a monthly turnover that exceeds $10,000 and have an ABN or ACN.

When making your online loan application you will have to provide both business and personal information in order for Kikka to verify your identity and approve you for business credit.

Who determines the credit limit?

When making your application you will be required to provide Kikka with your bank account login information which they will then use to check your transaction history and make you an appropriate credit limit and repayment plan.

Their business loan or credit limits will range from $1,000 to $100,000 and you can make repayments for anything up to 6 months.

How Kikka charges customers

Unlike banks which will charge you an interest fee on the amount of credit you’ve made use of, Kikka will charge you an agreed fee based on the principal loan amount.

This fee, together with the principal is then repaid through direct debit on your business bank account once every month for up to 6 months. If you take the full 6-month credit term you will pay 2% to 9.75% of the loan principal for 2 months and 1% for the remainder.

Leveraging tech to bring you better, faster services

Kikka aims to streamline the loan application process by leveraging advanced technology. Their online platform allows for the quick and convenient submission of applications, reducing the need for extensive paperwork and lengthy approval times.

By embracing digital solutions, Kikka strives to provide businesses with a seamless borrowing experience, ensuring that entrepreneurs can access the funds they need efficiently and effectively.

Customer Reviews & Testimonials

December 2018

Apply for a Kikka business loan is not only fast, but it is also easy and convenient.

Mary J
— Broome —

October 2018

The interest rates at Kikka for their business loans are affordable on a monthly basis.

Federick K
— Canberra —

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