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Unsecured Business Finance Australia

Because unsecured business finance is not guaranteed by any type of property, these loans are bigger risks for lenders and, as such, typically have slightly higher interest rates than secured business loans.

Although the interest rates are higher, the rates may still be lower than those of credit cards. Lenders who offer unsecured business finance won’t require your business to pledge any collateral to obtain the loan.

However, you must still meet income and credit requirements.

Unsecured business finance can range from $5,000 to more than $500,000, depending on the size of the business and its monthly gross income generated.

Some lenders may also offer businesses a revolving line of unsecured credit.

Why you would need Unsecured Business Finance ?


1. Opening new business locations: An unsecured business loan to help with expanding the business.

2. Re-modelling or renovating your current business: Use funds for tradesman and to help with cash flow whilst the business is closed during the renovation and for additional marketing to promote the refit and reopening of the store.

3. Purchasing Stock: Buy that new stock at the best price and within the required time frame, and keep a healthy margin.

4. Bridging receivable gaps and managing cash flow: If you need to pay your employees or have outstanding costs now and are waiting for invoices to be paid by clients, an unsecured loan is great way to facilitate these interim expenses.

5. Starting new jobs/contracts: Access funds quickly for mobilisation or to obtain new employees to meet business demand.

6. Purchasing Business Equipment: Purchase new or improved equipment when required to generate additional business.

7. Partnership buyout: An unsecured loan can provide you with the funds to buyout other partners.

8. Business Software: Purchase advanced software to create efficiency within the business.

9. Debt consolidation: Suitable option to consolidate business debts, with a set daily payment with a fixed term.

10. Business acquisition: Get the funds to purchase other businesses at that right price.



Two types of business finance available 


unsecured business finance and secured business finance.


Secured business finance is backed by security, unsecured business finance is not.


Obtaining unsecured business finance has its advantages and disadvantages.

How to apply for short term business finance that is fast, easy, & won’t affect your credit score?

Unsecured Business Finance Advantages 


Unsecured business finance is so much easier and faster to approve and fund than secured business finance because your business doesn’t need to offer any security slowing the approval process down.

Your business turnover is what will be considered and that is determined through assessing your business account trading statements. The stronger the monthly turnover the more you can look at borrowing.


Unsecured Business Finance Disadvantages 


Unsecured business finance due to their higher risk nature, will usually carry a much higher annual interest rate than secured business loans to mitigate the overall risks for the lender.

Unsecured business finance is a little more restrictive to qualify and get approval for if your business is trading poorly or the borrower has a below average credit score.

We Have Made Fast Business Finance



Helping ALL Businesses around Australia


Try our fast unsecured business finance enquiry below to look at your options

Free – No impact to your credit score – No Obligations

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