Australian owned and operated. Supporting Australian small businesses for 10 years.
Facility term 12 – 18 months
Any business purpose
Top-up & early payout options
Facility term 12 – 18 months
Any business purpose
Top-up & early payout options
Monday – Saturday
we only need the basics
and fast
get started now
To assess if you’re eligible for a loan, we won’t ask you to submit a pile of paperwork. We only ask for the basics to keep the process as quick and easy as possible.
It’s no secret securing funding from one of the big banks can be difficult. The biggest problem with traditional lending pathways is the time it can take to process an application and the vast amount of information you must provide to get approved. That's where non-bank lenders like Unsecured Finance Australia come in. We make the application process quick, easy and, in most cases, can settle funds in an approved applicant's account the same business day.
We have worked hard to develop a number of short term business loans to suit the various needs of our clients, these include: unsecured business loans (term loans), invoice financing, and our flexible business line of credit.
'An unsecured loan may provide the opportunity to grow your business without the risk to your assets or property'
'Unsecured Finance Australia … offer affordable payment options and high approval rates.'
'Unsecured Finance Australia are leaders in the non-bank lending of unsecured business loans in Australia.'
'No longer are business owners restricted to only working with 4 or 5 key institutions when it comes to securing finance for their business.'
Get inspired with our small business tips and tricks! These articles will motivate you to overcome obstacles and reach your goals.
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Absolutely. We prioritise your privacy and security so you can rest assured that your information will be safe with us. We have taken serious measures to keep our clients’ information safe, including the use of 256-bit encryption on our website. For more information, feel free to take a look at our Privacy Policy.
We aim to support as many small businesses as we can with small business funding. Because of this, we don’t set sky-high criteria like the big banks.
There are three main criteria you’ll have to meet to qualify for a loan:
To assess if you’re eligible for a loan, we won’t ask you to submit a pile of paperwork. Unsecured Finance Australia only asks for the basics.
For your identity, we likely won’t ask for anything more than a driver’s license and your business’ ABN. And for a loan of up to $50,000, you only have to provide your business account’s bank statements for the past six months.
For a larger loan, we’ll need a bit more information. Typically a recent copy of the business financial statements.
Traditional lenders often want to see a sparkling credit report before they will approve a loan application. We do things a bit differently at Unsecured Finance Australia. We will conduct a personal credit check but we don’t use it solely to determine your creditworthiness. In addition, we also base the decision on the health of your business.
Still, if you have a good credit score this will help support your application. Credit reporting bureaus look at a number of things in determining your credit score, which include:
As you’re probably aware, the biggest expense related to a loan is the interest. As every business is unique, we don’t set fixed interest rates. We base this decision on factors such as:
Our team will assess the risk of your loan to arrive at an interest rate. We’ll do everything in our power to provide a fair rate that you’ll be comfortable with
When you take out a loan with Unsecured Finance Australia, you’ll know exactly how much you are required to pay, and when. From day one, we lay out a clear repayment schedule aimed at giving you full control over your finances.
If you keep up with the repayments, you won’t have to pay anything more than what you see in the repayment plan. And to help you with maintaining your payment schedule, we will tailor the payments to fit with your cash flow cycle. We’ll deduct payments from the linked business account that you provide according to the agrred schedule.
We offer several business funding options that can help you achieve your goals. Besides unsecured business loans, the following financial products might also interest you:
The main difference between traditional and unsecured business loans is that traditional loans require the borrower to provide collateral against the loan. Should the borrower default on the loan, the collateral can then be used to help the lender recover their loss.
Unsecured loans don’t require collateral and are therefore riskier for lenders. To offset this higher risk, most lenders will offer unsecured loans at decreased maximum amounts and limited-term lengths.Despite these disadvantages, short term business loans can be ideal for businesses who need a small loan fast, as they are often easier and faster to apply for and receive, allowing you to get funding relatively quickly. Depending on the lender, your unsecured business loan may also offer favourable features such as early repayment options and variable loan terms.
Running a small business can be very challenging, especially financially. Even if you’re on the right track, you might not be able to get the funding needed to scale your business. Maybe there’s an opportunity that you want to take advantage of, or maybe you need to weather a quiet season. Whatever the case may be, Unsecured Finance Australia can help you out.
Unsecured business finance is a flexible option for businesses needing quick access to funds without the need for collateral, making it ideal for small businesses seeking fast solutions.
We’re one of Australia’s leading online lenders specialised in small business financing. We’ve helped a great number of business owners secure the funds they need to achieve their business goals. The main difference between secured and unsecured loans is that secured loans require collateral, while unsecured loans do not, impacting risk and approval speed. To learn more about the advantages and disadvantages of unsecured bank loans, consider how they affect borrowing decisions.
We’ll go out of our way to understand what you’re trying to achieve and help you find a solution that fits your needs, leaving you with full control over your financial future. Unsecured Finance Australia has funded many businesses across Australia, demonstrating our experience and commitment to supporting business owners. Compared to other lenders, we offer more favorable rates, flexible terms, and a faster approval process.
Finding the funding to help your small business grow can be a daunting task – unless you know the right team to talk to. Here at Unsecured Finance Australia, we help small businesses gain access to the finances they need to succeed.
We offer a variety of business funding options, including unsecured business loans, to help ensure that your unique needs are met. The key differences between secured and unsecured loans include collateral requirements, risk levels, and interest rates, which can affect loan terms and suitability for different borrowers. You can easily apply for an unsecured business loan online with a quick and straightforward process, allowing you to access funds fast. Reach out to our team today to learn more about how we can help your businesses prosper and support your business growth.
We offer loans of up to $300,000 and a smooth and convenient application process. Business owners can apply for an unsecured business loan quickly and easily, with no collateral required. You can make quick decisions and get your hands on the funds within one to two business days.
Our team of Business Lending Specialists will get to know your business and find a personalised solution.
As one of Australia's top small business lenders, Unsecured Finance Australia has helped hundreds of small businesses to secure the funds they need to achieve their business goals.
We understand the importance of working capital to a successful business. For this reason, we offer various business funding options tailored to our customers’ specific needs. Our goal is to provide quick access to funds and work with you to create a repayment schedule that won’t severely impact your cash flow. Unsecured financing offers fast access to funds without the need for collateral.
We provide business lines of credit from $20,000 to $100,000 and small business loans up to $300,000. We strive to support small businesses seeking affordable and convenient funding options. Unlike a secured loan, which requires assets as security and typically offers a lower interest rate due to the provided collateral, our unsecured options do not require upfront asset security. Unsecured loans do not require other assets as security and rely solely on your creditworthiness.
Unsecured business loans provide small businesses with flexible financing without the need for collateral. Several types are available to suit different business goals, including unsecured term loans, which offer a lump sum repaid over a set period, and business lines of credit, allowing funds to be drawn as needed up to a limit. Invoice financing is another option, letting businesses access funds based on outstanding invoices. An unsecured small business loan offers quick approval and flexible repayment terms, making it an accessible solution for startups and small businesses seeking fast funding compared to traditional secured loans.
Unlike secured loans, unsecured business loans don’t require pledging assets like property or equipment. This makes unsecured lending especially appealing for small businesses without significant assets or those preferring not to risk collateral up front. Unsecured small business loans are suitable for a variety of business needs, such as investing in equipment, marketing, or seizing new opportunities, and are based on your business’s financial liquidity and creditworthiness rather than collateral. Whether expanding operations or covering daily expenses, unsecured business loans can quickly provide the funds needed to achieve your business goals.
When it comes to unsecured business loans, our team works to make the application process simple and efficient so you can receive your loan quickly.
Unlike traditional big banks, we streamline the process to be easier and faster. Unsecured business loans require less paperwork, making approval quicker—often settled the same day—so you can access funds when you need them. Once all requirements are met, you can receive unconditional approval, confirming your loan is fully approved.
Our process covers a range of financing options. Over the years, we’ve developed specialised short-term, fast business loans suited to various industries. From unsecured loans to invoice financing and business lines of credit, we ensure you have access to the financing you need.
Businesses seeking an ideal short-term business loan benefit from features including:
Our fast business loans suit various industries and can be used for almost any business need. Whether upgrading or expanding your location, moving to new premises, refurbishing, purchasing inventory, outfitting vehicles, or hiring staff, unsecured business loans provide a strategic way to fund smaller purchases and add value. These loans offer flexible funding for working capital management, investments, and seizing opportunities. Compared to options like a business overdraft, unsecured business loans provide transparent, tailored repayment structures. Ideal for growing businesses, they offer quick access to capital without collateral, helping you achieve growth and capitalise on market opportunities swiftly.
If you’re unsure whether a fast business loan is right for you, our experts are happy to help you explore all available options to find the best fit for your business.
To qualify for an unsecured business loan, small businesses need to meet certain eligibility criteria set by lenders. Most lenders look for a stable cash flow, a solid credit history, and a minimum annual turnover to ensure your business can manage repayments. Lenders may also consider the creditworthiness of the business owner and may require a personal guarantee to secure the loan. The application process typically requires you to provide financial information such as recent bank statements and tax returns, helping lenders assess your business’s financial health.
Eligibility requirements can vary between lenders and loan types, but the process is designed to be straightforward and accessible. Many lenders, including Unsecured Finance Australia, offer an easy way for small business owners to apply online, with decisions often made within one business day. By meeting the eligibility criteria and providing the necessary financial information, your business can gain quick access to funds and take the next step toward growth.
Applying for an unsecured business loan with Unsecured Finance Australia is designed to be as straightforward and stress-free as possible. Our easy online application process allows small business owners to apply for unsecured finance in just a few minutes, with minimal paperwork and no need for collateral or security. Once you submit your unsecured business loan application, our team of experts will review your details and provide a fast decision—often within a few hours—so you can access funds quickly when you need them most. If you have any frequently asked questions about unsecured business loans, you can find answers on our dedicated FAQ page.
We understand that managing cash flow and seizing business opportunities often can’t wait. That’s why our approval process is streamlined to get you the finance you need without unnecessary delays. With flexible terms and competitive interest rates, our unsecured business loans are tailored to help you achieve your business goals and keep your operations running smoothly. Whether you’re looking to expand, invest in new equipment, or simply boost your working capital, our application process is designed to put you in control of your business’s financial future.
Maintaining healthy cash flow is essential for every small business, and an unsecured business loan can be a powerful tool to help you stay on track. Whether you’re facing seasonal slowdowns, unexpected expenses, or planning for growth, unsecured business loans from Unsecured Finance Australia offer the flexibility you need to manage your finances effectively. Our business loans come with flexible repayment options, including weekly or monthly repayments, so you can choose a schedule that fits your business’s financial cycle.
We believe in transparency, which means no hidden fees or surprise charges—just straightforward financing to help you focus on what matters most: running your business. In addition to unsecured business loans, we offer a variety of financing options such as business lines of credit and overdrafts, giving you the tools to manage cash flow, cover short-term expenses, and invest in new opportunities. With Unsecured Finance Australia, you can access the funds you need to keep your business moving forward, no matter what challenges arise.
At Unsecured Finance Australia, we know that no two small businesses are the same. That’s why we offer financial solutions that are tailored to your unique needs and business goals. Our range of unsecured business loans —from $5,000 up to $300,000—are designed to provide the flexibility and support you need, whether you’re looking to expand your operations, purchase new equipment, or simply improve your cash flow.
Our team works closely with you to understand your business and develop a financing plan that aligns with your objectives. With competitive interest rates, flexible repayment terms, and no requirement for collateral, our unsecured finance options let you access funds quickly and use them where they’ll have the greatest impact. You’re not tied down by asset requirements, so you can focus on growing your business and achieving your goals with confidence. Whatever your needs, we’re here to help you find the right business loan solution.
At Unsecured Finance Australia, transparency is a priority. When you take out an unsecured business loan with us, rest assured there are no hidden fees to surprise you. We clearly outline all costs associated with your loan upfront, so you know exactly what to expect. Our interest rates reflect the higher risk of unsecured lending compared to secured loans, but we strive to offer competitive rates tailored to your business needs. In some cases, a personal guarantee may be required, which means your personal assets could be at risk if your business cannot meet its repayment obligations. We make sure you understand all terms and conditions before you commit, helping you make informed decisions with confidence.
Repaying your unsecured business loan with Unsecured Finance Australia is straightforward and flexible. You will make regular weekly or monthly repayments over the agreed loan term, with amounts calculated based on your loan amount, interest rate, and repayment schedule. We offer options to pay off your loan early and allow you to make some extra repayments without penalty, allowing you to reduce interest costs and better manage your cash flow. Staying current on repayments helps build a positive credit history for your business, positioning you well for future financing needs. Our team will provide clear repayment schedules and support throughout the loan term to keep your business financially healthy.
We understand that unsecured business loans are a powerful tool for small businesses aiming to grow and reach new milestones. With funds from Unsecured Finance Australia that don’t require collateral, you can confidently invest in new equipment, hire staff, or expand operations. We encourage you to have a clear business plan that outlines your goals, financial projections, and growth strategies. Aligning your unsecured business lending with a solid plan ensures funds are used effectively and repayments are managed responsibly. This approach supports both your immediate needs and long-term success, helping your business achieve its full potential.
At Unsecured Finance Australia, we are proud to be one of Australia's leading online lenders, specialising in unsecured business finance. We are fully equipped to provide the financing your business needs to grow. Every business is unique, and we tailor our solutions accordingly. Regardless of your industry or business size, you will find competitive rates, flexible terms, and customised financial solutions with us.
Reach out to our team today to discover how we can support your business growth.
We know small business owners are busy, which is why our unsecured business loan application process is quick and convenient. You can complete your application online in just a few minutes. Once you provide the necessary information, we review your application promptly, and upon approval, you can access your funds within 24 hours.
Our experienced team understands the challenges small businesses face. We offer a range of business funding options, including unsecured lending, designed to help you achieve your goals without the need for collateral.
We respect your privacy and only ask for the information required to review your application. Simply fill out our online form to start the process, and we will provide all the information you need with no obligation to proceed.
While some may consider a personal loan for business purposes, our specialised business loans are tailored specifically to meet the unique needs of your business.
At Unsecured Finance Australia, we are committed to supporting you throughout your loan journey. Our dedicated customer support team is available to answer your questions, guide you through the application process, and assist you in managing your loan after approval. We provide clear, helpful information to make business finance simple and transparent.
You can contact us by phone or email. Additionally, we offer resources to help you track your loan, manage repayments, and stay on top of your finances. With us, you have a trusted partner focused on making your financing experience smooth and tailored to your needs, so you can focus on running your business.
Don’t wait to grow your business. Apply online today with Unsecured Finance Australia. Our competitive rates, flexible terms—including options for variable rate loans and weekly repayments—are designed to help you manage your debt effectively. Repayments are calculated based on your outstanding balance, ensuring full transparency. Our friendly team is ready to help you secure the financing your business needs for any purpose. Fill out our online application form and take the next step toward achieving your business goals.