Spoke to one of the Lighthouse Team at Start Up Camp Canberra on the
weekend and they mentioned this fairly reasonable micro-financing
option...

Microenterprise loans provided by the NAB
http://www.nab.com.au/wps/wcm/connect/nab/nab/home/About_Us/4/3/2.

The loans are up to $20K and the interest rate is on the lower end
(i.e. not as punishing as the normal business loan rate, and, I
gather, you don't have to put your house up, if you have one, as
collateral).

I have no connection to NAB.

Regards,

Liam.

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