The best low risk business loans one can obtain for their small business would be those offered by the Australian government. The Australian government has put together several grants and loans programs to assist small businesses. There may be low risk business loans available to you to help you get a new business going, or for those that are established there may be funding available as well. Ideally one should check out the low risk business loans for their small business before looking at any other funding alternatives.
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.