Unsecured Business Loans with No Asset Security.
An unsecured business loan provides funding based on your business's income and credit history, with no property or asset security required. We compare unsecured lenders to find a structure that suits your business.
No asset security required. Fast assessment.
Unsecured Business Loans: Broker vs Going Direct
Broker vs bank,
a real comparison
No asset security
Approval is based on business income and credit history rather than property or equipment offered as security.
Faster to arrange
Without security valuations to complete, unsecured applications typically move through assessment more quickly.
Right-sized borrowing
We help you borrow what your cash flow can support rather than what a security value allows.
Wide lender comparison
Unsecured terms vary significantly between lenders. We compare across the panel so you see the realistic range.
The process
How an Unsecured Business Loan Works
Tell us about your funding need
Share what the funds are for, your business structure and your trading history.
We compare the market
We search unsecured business lenders for amounts, terms and structures suited to your situation.
Review your options
We present options with rates, terms and repayments spelled out clearly.
Funds settled to your account
Once approved, we manage settlement and your funds are available to deploy.
Unsecured business loans, explained plainly.
Step 1 of 5
Understand unsecured business loans
An unsecured business loan advances funds without taking property or an asset as security, so nothing of yours is registered against the borrowing.
The assessment rests on how the business trades. Revenue consistency, time in operation and existing commitments decide the outcome, rather than what you own.
Funds are advanced to the business to use as it needs, which is what separates this from asset finance tied to a specific purchase.
Why choose an unsecured business loan
The house stays out of it. For owners who would rather not put the family home behind a business decision, that is often the whole point.
Without security to value and register, these applications move through their steps faster than asset-backed lending typically does.
It also suits spending that has no asset behind it at all, such as a hiring push, a marketing campaign or covering a gap between invoices.
Deciding if an unsecured business loan fits
It suits a business with steady trading that needs funds quickly and has no suitable asset to offer, or no wish to offer one.
Where the money is for a specific machine or vehicle, asset finance secured against that item is usually the more natural structure.
If the need is an ongoing buffer rather than a lump sum, an overdraft facility answers the problem differently and may be the better fit.
How to apply for an unsecured business loan
Have the ABN, how long the business has traded and a list of your existing commitments ready before you start.
Business bank statements are usually the core of the assessment, since they show how money actually moves through the business.
One enquiry compares lenders rather than approaching them one at a time, which keeps repeated enquiries off the file.
Tips for unsecured business loans
Borrow the amount the plan actually requires rather than the largest figure available to you. The repayment has to fit alongside everything else.
Know what the money is for before you apply. A clear purpose makes for a stronger application and a better structured facility.
Keep the bookkeeping current. Clean statements do more for an application than any explanation you attach to them.
Unsecured business loans at a glance
- No property or asset is taken as security for the borrowing
- Assessment is based on trading history and revenue consistency
- Funds are advanced to the business rather than tied to one purchase
- Suited to spending with no asset behind it, such as stock or hiring
- One enquiry reaches the panel without repeated applications
Unsecured Business Loans Without the Asset Requirement
Not every business wants to put property or equipment on the line to access funding. Unsecured lending is assessed on your business's performance instead.
Get my quoteA Panel of Lenders
We compare business lenders across our full panel to find the right structure for your operational or growth funding needs.
Fast Assessment
Business loan applications assessed quickly. We aim for pre-approval the same day for straightforward applications.
Multiple Loan Types
Business term loans, overdrafts, lines of credit and capital raise options compared across the panel.
Self-Employed Friendly
We work with lenders who understand business income and assess applications with appropriate flexibility.
Clear Before You Commit
We set out the structure and terms clearly before you agree to anything, so there are no surprises later.
Broker Managed
From enquiry through to settlement, we manage lender communication and application paperwork.
Business Loan Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$1,613
per month
Weekly
$372
Total repayment
$58,081
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteMore Business Finance Options
Match the facility
to the cash flow.
A term loan, an overdraft and a capital raise solve different problems, and choosing the wrong one costs more than choosing the wrong lender. Your broker starts with the shape of the need.
Business Lending Guides
Written by a licensed broker for Australian businesses.
Who we help
Who Uses Unsecured Business Loans?
Growing Businesses
Funding stock, staff or marketing ahead of revenue without tying up assets.
Service Businesses
Businesses without significant physical assets to offer as security.
Trades and Contractors
Covering equipment, materials or a quiet period without refinancing the ute.
Retail and Online Sellers
Funding inventory buys and seasonal peaks on the strength of trading history.
Time-Sensitive Borrowers
Businesses that need funding decisions quickly, without security valuations.
Australian registered business
ABN registered (brand new to established, lender-dependent)
Demonstrable business income and cash flow
Acceptable business credit history
Business bank statements available for assessment