Rating based on 27 reviews


  • Peer-to-peer loans up to $2,000,000
  • Flexible loans
  • Repayment up to 10 years

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BigStone homepage
Author BigStone. Screenshot of BigStone website.
[Accessed May 26, 2023]

About BigStone

BigStone is a marketplace lending company that specialises in providing finance to small to medium-sized businesses in Australia. Just like peer-to-peer lenders DirectMoney, RateSetter and SocietyOne, BigStone operates in the marketplace lending sphere but offers loans only to businesses.

A vision and value system worth fighting for

BigStone’s vision is to take the red tape out of business finance in Australia and help small and medium-sized businesses find the capital they need through investors looking for higher-than-average returns.

In addition, their values which put drive, transparency and trust above all else are certainly another commending feature of this business finance company.

How BigStone connects lenders & borrowers

Through their online lending platform, BigStone is able to find investors who want to invest their cash in Australian businesses online. BigStone’s team and automated processes then screen all businesses and owners looking for a peer-to-peer loan.

Those who don’t meet their requirements are rejected and those who do get placed in the marketplace with their level of risk highlighted.  BigStone then allows investors to choose how much risk their willing to take on.

BigStone Services

BigStone offer peer-to-peer loans to Australian SMEs who meet their minimum application requirements. Although loans may be secured you do not necessarily need to put up property to secure a loan.

They do not offer personal cash loans or any other type of loans intended for personal use – BigStone sticks to business only!

Business loans from $10,000 to $2,000,000

If you’re an Australian business owner that’s looking for a flexible business loan – forget the big banks and alternative finance providers that make empty promises and never deliver.

As a P2P business lender, BigStone offers superior interest rates and a complete online loan application.

Repay your loan in up to 24 months

That’s right, BigStone will not charge you any early repayment fees if the business goes better than expected and you’re able to repay your peer-to-peer loan early!

In addition, you can choose a loan term that suits you – anything from as little as 3 months to a comfortable 24 months.

BigStone – Peer-to-peer loan

  • Loan Type Peer-to-peer loans
  • Loan Amount up to $2,000,000
  • Repayment 12 months to 10 years

Benefits of BigStone

  • Get a peer-to-peer business loan
  • Loans amount up to $2,000,000
  • Get up to a 10-year repayment term

Peer-to-peer loan calculator

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

Get approved for a markeplace loan via BigStone’s platform

One of the first things that you’ll need to do on BigStone’s website is to get a rate estimate and it is here that you’ll be able to catch the first glimpse of just how much faster and fairer a P2P loan from BigStone can be than from a bank or other alternative credit provider.

Does your business qualify for a P2P loan?

It is quite clear that BigStone has made it as clear and simple to know if your business qualifies to make a quick cash loan application online. Their 3 basic requirements are that the business is Australian, has in excess of one employee and earns $250,000 or more per annum.

Cut a BIG 1% off of your interest rate

When you apply for a loan online with BigStone you can share your Xero financials and get a BIG 1% off of your final interest rate! That’s right, even after beating any bank's rate, this company will further cut your rate if you decide to make the whole process a little bit easier for everyone.

Get listed on the Marketplace in just 24 hours

Once you’ve run through the details of their loan offering, made a quick application and received an interest rate estimate, you can then proceed to make the actual formal online loan application on their website. You can expect to have your loan request listed on their platform in just 24 hours.

Always stick to the exact amount that you need

In the event that you realise you qualify for a greater amount than the one you applied for, you need to stick to the exact amount that you were going to borrow. In essence, this is where financial maturity comes in. There is no need to apply for a peer-to-peer loan that you or your organisation doesn’t really need.

The only time you should apply for credit is when an urgent need has arisen and you have no idea option but to ask for a loan. On the other hand, if you are looking for something that can wait until the end of the month, there is no need to apply for an advance for something that isn’t that important.

Ensuring that your credit is protected is a great deal of responsibility and it will help you tremendously when you are looking for a loan in the future.

What if you don’t have enough money to pay your loan

Should you face financial difficulties, please inform them as soon as possible. Don’t wait for the last day of your debit order to notify. The customer will be liable for extra penalties in the event of a late loan payment.

Customer Reviews & Testimonials

August 2018

BigStone ensured that my peer to peer loan suits my budget.

Richard B
— Perth —

August 2018

Applying for a peer to peer loan at BigStone was easy, fast and convenient.

Mary G
— Canberra —

February 2019

I was assisted by agents from BigStone from the initial stage of the peer to peer loan application, to the final phase of the credit request.

Jack K
— Lismore —

BigStone Contact

Physical Address

  • National Innovation Centre 4 Cornwallis St Eveleigh NSW 2015 Australia
  • Get Directions

Opening Hours

  • Monday 8.30am – 5.30pm
  • Tuesday 8.30am – 5.30pm
  • Wednesday 8.30am – 5.30pm
  • Thursday 8.30am – 5.30pm
  • Friday 8.30am – 5.30pm
  • Saturday
  • Sunday