It is usually free to apply for a small business loan from the government in Australia, although some programs may have a small processing fee applied. A common obstacle to being approved for a small business loan is improper or insufficient preparation leading to applying for a Australian government loan the applicant is not actually eligible for. Of course, this ends up wasting time if not money in those instances where applying is free.
You can also take advantage of the Small Business Startup Assessment Tool below and see the tools and resources you need to succeed at launching your business. It takes just a minute and will also tell you if there may be any funding programs available.