Australian owned and operated. Supporting Australian small businesses for 10 years.

we supply the building blocks to help u grow.

Unsecured small business loans made simple.

Small business loans from $20,000 to $300,000. For a no charge pre-approval.
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Unsecured small business loan

$20k – $300k Term loan with a redraw option.

Facility term 3 – 24 months

Any business purpose

Top-up & early payout options

Unsecured business line of credit

$20k – $300k Term loan with a redraw option.

Facility term 3 – 24 months

Any business purpose

Top-up & early payout options

Why work with us

Fast 24-Hour Loan Approval​

Monday – Saturday​

Minimal Docs Required

we only need the basics

High Approval Rates

and fast

5-Minute Online Application

get started now

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Don't just take our word for it

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Got a call pretty quickly. Got me out of a bind.
Catalin Andries
Source: Google Local
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I've got a lot of value and professional recommendations regarding a small business unsecured loan.

That was only from one call that made a huge difference in our business plans during these uncertain times.

There are many options out there, but they get personal and would to whatever it takes to be in your advantage.

Thanks for your help, team.
Adam Dawson
Source: Google Local
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very quick to process line of credit!! look forward to being able to ramp up business
Michelle Sando
Source: Google Local
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Quick response time and was quick to get approved which was nice
Emma Sinclair
Source: Google Local
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was easy to get small business loan, thank you
Blair Davies
Source: Google Local
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line of credit facility works well for what we needed

A fast, simple application process

You can apply in under 5-minutes and be funded the same business day.

Fast and simple online application

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.

Benefits of non-bank lenders

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.

Business Lending Options

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.

As featured on

'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.'

Recent articles

Get inspired with our small business tips and tricks! These articles will motivate you to overcome obstacles and reach your goals.

Your questions answered

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:

  • A business with at least six months of trading history.
  • A turnover rate of more than $10,000 per month.
  • Regular cash flow (daily, weekly, or monthly).

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:

  • The number of recent loan applications made
  • Any current credit account balances
  • Overdue bills
  • Past bankruptcy (if applicable)
  • A good credit score paints a picture of your financial standing but remember if your credit score isn’t great its not a deal-breaker with Unsecured Finance Australia. If your business is doing alright, your personal credit shouldn’t hold you back.

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:

  • The industry you operate in
  • Time in business
  • Your cash flow stability

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:

  • Equipment financing – as the name implies, this type of loan is specifically for the purchase of equipment. In the majority of cases, you’ll have to provide security equal to the value of the asset that you want to buy. The upside of this is that you might be able to negotiate a lower interest rate. However, the rate will still depend on several other factors. You can purchase just about any piece of equipment, from tools and machinery through to business vehicles.
  • Business overdraft – also known as a line of credit, overdraft protection is great for short-term cash injections. It’s a popular option for seasonal businesses that have to cover their expenses during the lull. You can use it to pay payroll, suppliers, or any other short-term expense that you have to cover.
  • Vehicle finance – If you need to upgrade your fleet, this can be an excellent option. This financing option also applies to large and expensive assets like excavators, harvesters, commercial cookers, and such. In some cases, you can also use a regular business loan for these, so contact us if you wish to learn more.

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.

Why choose unsecured finance?

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 quite season. Whatever the case may be, Unsecured Finance Australia can help you out.

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. We’ll go out of our way to understand what you’re trying to achieve. We’ll then help you find a solution that fits all of your needs and leaves you with full control over your financial future.

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. Reach out to our team today to learn more about how we can help your businesses prosper.

Your Choice

We offer loans of up to $300,000 and a smooth and convenient application process. You can make quick decisions and get your hands on the funds in 24 hours.


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 thousands of small businesses to secure the funds they need to achieve their business goals.

Business Funding Options to Keep the Momentum Going

We understand the importance of cash flow to a successful business. For this reason, we offer various business funding options that we can tailor to the specific needs of our customers. Our goal is to provide quick access to funds and work with our customers to provide a repayment schedule that won’t severely impact your cash flow.

We offer business lines of credit from $20,000 to $100,000 and small business loans up to $300,000. We do our level best to support small businesses that are looking for affordable and convenient business funding options.

Short term business loans made easier

When it comes to unsecured business loans, our team strives to make the application process as simple and efficient as possible so that you can receive your small loan fast.

Unlike traditional big bank lenders, we streamline the application process to make it easier, faster and more straightforward. In most cases, we can settle your application in as little as one day so that you can have access to your funds exactly when you need them.

Our simplified process extends to a wide range of financing options. Over the years, we have developed a highly specialised range of short term, fast business loans that are intended to suit various needs and industries. From unsecured business loans to invoice financing and business line of credit options, we ensure you have access to all the financing options you need to make your dreams a reality.

Businesses searching for the ideal short term business loan will benefit from our unsecured loan features, which include:

  • Available loan amounts between $20,000 to $300,000
  • Flexible loan terms between 3 – 24 months, with up to 60 months for equipment
  • Fast approval rates – often settled the same day
  • A streamlined application process with minimal documents required
  • A quick and easy online application to get started

How to use your business loan

Our fast business loans are suitable for various industries and can be used for virtually any aspect of your business. From upgrading or expanding your physical location to purchasing inventory, outfitting a company vehicle, even hiring the right staff, unsecured business loans are an appealing and strategic way to fund smaller purchases and add value to your business.

Wondering whether a fast business loan is the right choice? Our experts are always happy to help you understand all available options so that you can discover which one is best for you and your business.

Work with Australia’s non-bank lending leaders today

Whether you’re starting a new business or looking for reliable professional financial assistance to help your established company weather out some tough times, the team at Unsecured Finance Australia is here to help.

As one of Australia’s leading online lenders, we are extremely well-equipped to help you find the financing your business needs to grow. Our team comprises some of the most expert financial advisors in the field, all of whom have extensive experience in assisting small businesses.

Even more importantly, we understand that every business is unique and requires individualised solutions to ensure success. No matter your industry or business size, we promise you’ll find competitive rates, flexible terms and specially tailored financial solutions here at Unsecured Finance Australia.

Reach out to our team today to discover how we can help you.

No Waiting, No Hassle

We understand that small business owners are busy. Because of this, we offer a quick and convenient online application process. Once you’ve gathered all the necessary information, it won’t take long to fill out and submit an application online. And upon approval, you can get access to the funds in 24 hours.

We Understand Your Needs

Our team consists of experts who understand the needs of small businesses regardless of the industry. We know what it takes to run a successful business and understand the challenges that you might be facing. This is why we offer a host of business funding options for helping you to achieve your goals.

The Information You Want

We know that you may have questions you want answered before placing an application. For this reason we won’t ding your credit file upon application. Simply fill out the online form to start the process, recieve all the information you require with no obligation to proceed.

Take the Next Step

Why wait when you can work on growing your business right now? It won’t cost you anything to apply and our friendly team are here to help. If you qualify for a loan, you can inject the cash into your business for whatever purpose you require. To see if you’re eligible, fill out our online application form and apply today.