AI Rankings · Small business lenders and business finance · Australia
Best small business lenders and business finance in Australia, according to AI (October 2026)
We asked ChatGPT, Gemini and Google AI Mode 120 questions a buyer in Australia types when looking for small business lenders and business finance. The engines named 340 companies in Australia. NAB is named most often, in 51% of answers, followed by Commonwealth Bank (41%) and Westpac (41%). 69 are named by all three engines.
The full list is below, ranked by how consistently each company is named.
120 buyer questions
360 answers read
3 engines
All 340 companies AI names in Australia
Click a company to open its full report: every answer that names it, where it stands in each one, and the sites behind every rival. Mentioned is the share of answers that name the company: all 360, one engine’s 120 in the engine columns. Green marks that engine’s 3 most recommended. A crossed circle means it never named the company. Click a heading to sort.
Before an engine names a company, it reads the web. These are the sites each engine cited most in its 120 answers for Australia, by the share of answers citing them.
ChatGPT
230 domains · 2233 links overall
Source
Share
Links
nab.com.au
35%
155
anz.com.au
23%
103
ardentcapital.com.au
21%
97
westpac.com.au
21%
89
commbank.com.au
17%
66
money.com.au
14%
58
prospa.com
13%
70
scotpac.com.au
11%
57
ondeck.com.au
10%
49
finder.com.au
10%
51
Gemini
207 domains · 1556 links overall
Source
Share
Links
nab.com.au
15%
41
ardentcapital.com.au
13%
64
velociticapital.com.au
9%
55
anz.com.au
9%
44
ondeck.com.au
8%
50
commbank.com.au
8%
23
finder.com.au
8%
29
emumoney.com.au
7%
47
scotpac.com.au
7%
20
lumi.com.au
7%
25
Google AI Mode
225 domains · 1153 links overall
Source
Share
Links
nab.com.au
23%
58
prospa.com
18%
64
commbank.com.au
13%
37
anz.com.au
11%
29
scotpac.com.au
10%
38
westpac.com.au
9%
21
money.com.au
9%
24
liberty.com.au
8%
18
bizcap.com.au
8%
25
moula.com.au
8%
21
One thing stands out. ChatGPT cites company sites directly: nab.com.au tops its list, so a company’s own pages decide whether it is named.
What to do with your row
Most recommendedTop 3 on an engine
Open your full report, then take the “Top 3 in AI answers” badge. It names the engine, it links back here, and it is free. Then keep the spot: Findrix tracks all three engines for your company and tells you when a rival moves in.
MentionedNamed, not recommended
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Not namedMissing from all 360 answers
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What “Top 3 in AI answers” means
A company gets the badge when it is in the top 3 on any single engine, by how many of that engine’s answers recommend it, not just name it. The badge names the engine, so a company can hold it on Gemini and not on ChatGPT. In Australia that is NAB, ANZ and Prospa on ChatGPT. NAB, Commonwealth Bank and Prospa on Gemini. NAB, Commonwealth Bank and Prospa on Google AI Mode. 9 badges, 4 companies. A badge holder confirms its website inside the report and puts the badge on its site, and it links back to this page.
The 120 questions we asked
Every company was measured against the same 120 questions, asked the way a buyer types them, with no company name in the question. Grouped by how the question is asked: four kinds.
Use case (the job is named)
7 questions
As a sole trader with no up to date financials, which business lenders across Australia do low doc loans?
I'm self employed with no recent tax returns, which lenders in Australia do low doc business loans secured against my home?
I'm a pharmacist looking to buy my first pharmacy, which lenders in Australia finance pharmacy purchases?
+ 4 more questions in this group.
Alternatives (excluding the well-known)
the question asks for options outside the market leaders15 questions
We want a second food truck and don't fancy dealing with a big bank, which independent business lenders in Australia would fund it?
Looking for a boutique business lender in Australia that actually understands vineyards.
Can you name some lesser-known business funding providers across Australia that fund IT consultancies?
+ 12 more questions in this group.
Criterion (price, reviews, support, integration)
a plain category question with one qualifier5 questions
Before signing anything I want to compare fees and rates, so which Australian business lenders are upfront about early payout costs?
Any small business lenders and business finance providers across Australia with a support team that picks up the phone on weekends?
Which small business lenders and business finance providers in Australia get the best reviews from owners?
+ 2 more questions in this group.
Other phrasing
93 questions
Our takings dry up every winter, which Australian business lenders do short term funding to carry us through the quiet months?
We run a social enterprise and the quiet months hit us every year, which lenders in Australia back social enterprises through slow patches?
Are there Australian business lenders that will lend without us putting the family home up as security?
+ 90 more questions in this group.
How we measure
Each of the 120 questions was asked once to ChatGPT, Gemini and Google AI Mode in October 2026: 360 answers. We read every answer and record which companies it names. A company’s share is the part of answers that name it. Different spellings of one company are merged into one row.
Left out: companies outside Australia, and names that aren’t small business lenders and business finance. A name AI gave without a website we could find is listed without a profile.
One run per question means a single answer moves a company at the bottom of the table by a point. Treat differences of 1 to 2% as noise and the top 20 as stable.
One email when the next run moves this list: who entered, who left, where you stand. No newsletter.
Questions about this ranking
Why isn’t my company listed?
Either no engine named it in the 360 answers we read, or it was named and we could not match it to a website. Search the list above. If it was named, its full report is ready and you can add the website from there. If it was never named, Findrix shows what AI says when buyers ask about small business lenders and business finance, which rivals it names instead, and a ranked list of fixes: the page, the edit, and the next scan ticks it off. It starts with the 7-day trial.
What is in the full report?
Everything we collected about the company: its position on each of ChatGPT, Gemini and Google AI Mode, recommended or only mentioned, its average position in the answer and what AI says about it word for word. It opens after a quick login, free, for anyone. The “Top 3 in AI answers” badge goes on the company’s site when any engine puts it in its top 3.
Why would I subscribe if I am already listed?
This page is one snapshot. Findrix is where you control and grow your AI visibility over time: your own question set, 60 to 180 questions by plan, tracked for you and your rivals. On every answer you see recommended, only mentioned, or a rival, and which sites earned that rival the spot. Wrong facts come with the correction email written for you. Your site becomes a numbered plan: which page, what to change, confirmed by the next scan. A PDF report for you and your team. It starts with the 7-day trial.
Can I correct or remove my company’s listing?
Use Request a correction at the bottom of the page: we check the change against the answers and fix the listing. Sign in with an email on the company’s domain to open its full report. For anything else, write to us there too and we will look at it against your website.
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