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The Business Loan Store

Compare unsecured business loans

An unsecured business loan is not tied to a specific asset such as your home or commercial property. Lenders assess mainly your trading performance, usually from bank statements, and most take a personal guarantee from the directors.

43 products from 21 lenders · Last checked 26 Sept 2026

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Products listed as unsecured, or where security varies with the amount, as published by each lender.

43 products from 21 lenders

Unsecured business loans

Major bank

ANZ Business Loan

Secured or unsecured business term loan from $10,000 with terms of 1 to 30 years, for long-term needs and business growth.

Amount
From $10K
Term
1 yr to 30 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for ANZ Business Loan
Major bank

ANZ Business Overdraft

Secured or unsecured business overdraft from $2,000 with no set repayments, for trading and seasonal cash flow and working capital.

Amount
From $2K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for ANZ Business Overdraft
Major bank

ANZ GoBiz Unsecured Business Loan

Business loan from $10,000 over up to 7 years, applied for online through ANZ GoBiz using accounting software data, unsecured up to $200,000.

Amount
From $10K
Term
Up to 7 yrs
Security
Unsecured
Rates and other criteria
Rate
12.74% p.a.
Repayments
Weekly, Monthly
Trading
6+ months trading under the current ABN/ACN
Source dated 25 Sept 2026
Details for ANZ GoBiz Unsecured Business Loan
Major bank

ANZ GoBiz Unsecured Business Overdraft

Unsecured business overdraft from $2,000 to $200,000, applied for online through ANZ GoBiz, for short-term cash flow and working capital.

Amount
$2K to $200K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
16.20% p.a. variable
Repayments
Not published
Trading
6+ months trading under the current ABN/ACN
Source dated 25 Sept 2026
Details for ANZ GoBiz Unsecured Business Overdraft
Non-bank business lender

Banjo Loans Business Loan Excel

Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.

Amount
$20K to $2M
Term
6 mths to 5 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Banjo Loans Business Loan Excel
Non-bank business lender

Banjo Loans Business Loan Express

Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.

Amount
$20K to $750K
Term
6 mths to 5 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Banjo Loans Business Loan Express
Non-bank business lender

Banjo Loans Business Loan Flexi

Term loan from $20K to $2M over 12 or 16 months for cash flow needs, with the option of up to 4 months of interest-only repayments.

Amount
$20K to $2M
Term
1 yr to 16 mths
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Banjo Loans Business Loan Flexi
Bank

Bendigo Bank Business Loan

Business term loan with terms up to 25 years, unsecured or secured with property or assets, to grow your business or help manage cash flow.

Amount
Not published
Term
Up to 25 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Monthly
Trading
Not published
Source dated 25 Sept 2026
Details for Bendigo Bank Business Loan
Bank

Bendigo Bank Market Rate Loan

Business loan priced off the Bank Bill Swap Bid rate (BBSY), with floating or fixed options, interest rate risk management and terms up to 25 years.

Amount
Not published
Term
Up to 25 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Monthly, Quarterly
Trading
Not published
Source dated 25 Sept 2026
Details for Bendigo Bank Market Rate Loan
Non-bank business lender

Bizcap Fast Business Loan

Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.

Amount
$5K to $500K
Term
3 mths to 1 yr
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
4+ months trading
Source dated 23 Sept 2026
Details for Bizcap Fast Business Loan
Non-bank business lender

Bizcap Small Business Loan

Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.

Amount
$5K to $7.5M
Term
3 mths to 1 yr
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
4+ months trading
Source dated 23 Sept 2026
Details for Bizcap Small Business Loan
Non-bank business lender

Capify Merchant Cash Advance

Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.

Amount
$5K to $500K
Term
3 mths to 1 yr
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily
Trading
2+ months in business
Source dated 23 Sept 2026
Details for Capify Merchant Cash Advance
Non-bank business lender

Capify Unsecured Business Loan

Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.

Amount
$5K to $500K
Term
3 mths to 1 yr
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Capify Unsecured Business Loan

Commonwealth Bank BetterBusiness Loan

Business term loan, unsecured up to $250,000 over up to 7 years, or secured by property from $10,000 over up to 30 years.

Amount
From $10K
Term
Up to 30 yrs
Security
Varies
Rates and other criteria
Rate
From 7.29% p.a. variable
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Commonwealth Bank BetterBusiness Loan

Commonwealth Bank Business Overdraft

Business overdraft with unsecured limits up to $250,000 or property-secured limits from $2,000, with interest charged on the amount used.

Amount
From $2K
Term
Not published
Security
Varies
Rates and other criteria
Rate
From 8.75% p.a. variable
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Commonwealth Bank Business Overdraft

Commonwealth Bank Market Rate Loan

Facility for medium to large businesses with an overall limit from $500,000, priced off BBSY with 1 to 6 month rollover periods.

Amount
From $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Commonwealth Bank Market Rate Loan
Asset and equipment financier

Dynamoney Business Overdraft

Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.

Amount
$20K to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
ABN and GST registered for 3+ years
Source dated 23 Sept 2026
Details for Dynamoney Business Overdraft
Asset and equipment financier

Dynamoney Business Term Loan

Business term loan from $20K to $500K with fixed repayments.

Amount
$20K to $500K
Term
1 yr to 5 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
ABN and GST registered for 12+ months
Source dated 23 Sept 2026
Details for Dynamoney Business Term Loan
Asset and equipment financier

Finance One Commercial Unsecured Cash Flow Loan

Unsecured business loan for small to medium-sized enterprises for working capital, equipment, stock, expansion, marketing or cash flow gaps.

Amount
Not published
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly, Fortnightly, Monthly
Trading
ABN held 6+ months
Source dated 25 Sept 2026
Details for Finance One Commercial Unsecured Cash Flow Loan
Customer-owned bank

Great Southern Bank Business+ Unsecured Loan

Unsecured fixed rate business loan of $20,000 to $50,000 over 1, 2 or 3 years, applied for online, for working capital, stock, equipment or ATO debts.

Amount
$20K to $50K
Term
1 yr to 3 yrs
Security
Unsecured
Rates and other criteria
Rate
10.95% p.a. to 20.95% p.a. fixed
Repayments
Not published
Trading
1+ year trading
Source dated 25 Sept 2026
Details for Great Southern Bank Business+ Unsecured Loan
Customer-owned bank

Great Southern Bank Business+ Unsecured Overdraft

Unsecured business overdraft with limits of $10,000 to $50,000, linked to a Business+ Account, with interest charged only on what you owe.

Amount
$10K to $50K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
11.70% p.a. to 21.70% p.a. variable
Repayments
Not published
Trading
1+ year trading
Source dated 25 Sept 2026
Details for Great Southern Bank Business+ Unsecured Overdraft
Property-backed non-bank

Liberty Financial Business Line of Credit

Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.

Amount
$50K to $2M
Term
Not published
Security
Varies
Rates and other criteria
Rate
From 10.20% p.a.
Repayments
Monthly
Trading
No minimum time in business
Source dated 23 Sept 2026
Details for Liberty Financial Business Line of Credit
Non-bank business lender

Lumi Business Line of Credit

Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.

Amount
Up to $1M
Term
Up to 5 yrs
Security
Varies
Rates and other criteria
Rate
From 15.5% APR
Repayments
Weekly
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Lumi Business Line of Credit
Non-bank business lender

Lumi Small Business Loan

Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.

Amount
Up to $1M
Term
Up to 5 yrs
Security
Varies
Rates and other criteria
Rate
From 15.5% APR
Repayments
Weekly
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Lumi Small Business Loan
Invoice and trade financier

Moneytech Business Loan

Business loan from $25,000 to $500,000 over up to 36 months for cash flow, ATO debt, expansion, acquisitions and equipment, secured or unsecured.

Amount
$25K to $500K
Term
Up to 3 yrs
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months GST registration
Source dated 25 Sept 2026
Details for Moneytech Business Loan
Invoice and trade financier

Moneytech Line of Credit

Line of credit up to $500,000 for paying suppliers, stock and subcontractors, with up to 120 days to repay each drawdown.

Amount
Up to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months GST registration
Source dated 25 Sept 2026
Details for Moneytech Line of Credit
Non-bank business lender

Moula Business Loan

Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.

Amount
$10K to $500K
Term
3 mths to 5 yrs
Security
Varies
Rates and other criteria
Rate
15.99% to 35.99% APR
Repayments
Fortnightly
Trading
12+ months in business
Source dated 23 Sept 2026
Details for Moula Business Loan
Major bank

NAB Business Options Loan

Secured or unsecured business term loan from $20,000 with fixed or variable rates, terms up to 30 years and flexible repayment options.

Amount
From $20K
Term
Up to 30 yrs
Security
Varies
Rates and other criteria
Rate
7.85% p.a. + margin
Repayments
Monthly, Quarterly
Trading
Not published
Source dated 25 Sept 2026
Details for NAB Business Options Loan
Major bank

NAB Business Overdraft

Secured or unsecured revolving business overdraft from $20,000, subject to annual review, with interest on the daily balance used.

Amount
From $20K
Term
Not published
Security
Varies
Rates and other criteria
Rate
10.72% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for NAB Business Overdraft
Major bank

NAB QuickBiz Loan

Unsecured business loan of $5,000 to $250,000 at a fixed rate over 1 to 5 years, applied for online with no upfront or ongoing fees.

Amount
$5K to $250K
Term
1 yr to 5 yrs
Security
Unsecured
Rates and other criteria
Rate
12.95% p.a. fixed
Repayments
Monthly
Trading
12+ months trading
Source dated 25 Sept 2026
Details for NAB QuickBiz Loan
Major bank

NAB QuickBiz Overdraft

Unsecured business overdraft of $5,000 to $50,000 with a variable rate, applied for online, with interest charged only on funds used.

Amount
$5K to $50K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
16.25% p.a. variable
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for NAB QuickBiz Overdraft
Non-bank business lender

OnDeck Lightning Loan

Unsecured short term business loan from $10,000 to $175,000 over 6 to 24 months with daily or weekly repayments, for cash flow, stock, equipment and growth.

Amount
$10K to $175K
Term
6 mths to 2 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
1+ year in business
Source dated 25 Sept 2026
Details for OnDeck Lightning Loan
Non-bank business lender

OnDeck Lightning Loan Plus

Larger unsecured short term business loan from $175,001 to $250,000 over 6 to 24 months for businesses trading 1+ year, assessed with bank statements and accountant prepared financials.

Amount
$175K to $250K
Term
6 mths to 2 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
1+ year in business
Source dated 25 Sept 2026
Details for OnDeck Lightning Loan Plus
Non-bank business lender

Prospa Business Line of Credit

Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.

Amount
$2K to $500K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Prospa Business Line of Credit
Non-bank business lender

Prospa Small Business Loan

Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.

Amount
$5K to $500K
Term
Up to 5 yrs
Security
Varies
Rates and other criteria
Rate
Risk-based pricing
Repayments
Weekly
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Prospa Small Business Loan
Invoice and trade financier

ScotPac Boost Business Loan

Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.

Amount
$10K to $500K
Term
6 mths to 3 yrs
Security
Varies
Rates and other criteria
Rate
Risk-based pricing
Repayments
Not published
Trading
12+ months trading
Source dated 23 Sept 2026
Details for ScotPac Boost Business Loan
Non-bank business lender

Square Loans Square Loans

Business loan for Square sellers from $100 to $250k, repaid from a fixed share of daily card sales within 18 months, offered by invitation.

Amount
$100 to $250K
Term
Up to 18 mths
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Daily
Trading
Not published
Source dated 25 Sept 2026
Details for Square Loans Square Loans
Bank

Suncorp Bank Business Overdraft

Secured business overdraft from $10,000 with a variable rate, no set term and an ongoing limit, for short-term cash flow and unexpected expenses.

Amount
From $10K
Term
Not published
Security
Varies
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Suncorp Bank Business Overdraft
Property-backed non-bank

Thinktank Firstrata Standard Strata Loan

Unsecured loan to an owners corporation for building works, upgrades or remediation, from $250K to $10M over 2 to 15 years.

Amount
$250K to $10M
Term
2 yrs to 15 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Firstrata Standard Strata Loan
Property-backed non-bank

Thinktank Firstrata Strata Lite Loan

Smaller unsecured strata loan from $50K to $250K for works, legal costs, insurance premiums or refinancing, paid in one lump sum.

Amount
$50K to $250K
Term
2 yrs to 15 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Firstrata Strata Lite Loan
Property-backed non-bank

Thinktank Firstrata Hybrid Loan

Strata project funding where some owners pay their share upfront and others repay through loan levies.

Amount
Not published
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Firstrata Hybrid Loan
Major bank

Westpac Unsecured Business Loan

Unsecured fixed rate business loan of $5,000 to $250,000 over 1 to 5 years, with no monthly fees.

Amount
$5K to $250K
Term
1 yr to 5 yrs
Security
Unsecured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for Westpac Unsecured Business Loan
Major bank

Westpac Unsecured Business Overdraft

Unsecured business overdraft of $5,000 to $250,000 with a variable rate and a fee on the total limit.

Amount
$5K to $250K
Term
Not published
Security
Unsecured
Rates and other criteria
Rate
13.71% p.a. variable
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for Westpac Unsecured Business Overdraft

Unsecured loans are popular because they are quick and need little paperwork. Limits are linked to turnover and pricing reflects the lender's risk, so it pays to compare the total cost, not just the headline.

What to know

How much you can borrow

Limits usually track monthly turnover. Some lenders move from unsecured to secured lending once the amount passes a threshold, which is why several products below show "Varies" for security.

What lenders check

Time trading, turnover, account conduct, existing loan repayments and director credit history.

Watch the repayment rhythm

Daily or weekly repayments are common. Model them against your slowest month before you commit.

Unsecured business loans: common questions

Do unsecured business loans need a guarantee?

Usually yes. Most lenders take a personal guarantee from the directors, and some register a general security interest over business assets for larger loans.

Can I get an unsecured business loan with a short trading history?

Some lenders publish minimums from around six months trading. Use the time in business filter to see which products fit.

Are unsecured loans more expensive than secured loans?

Generally, because the lender has no specific asset to fall back on. Compare the total repayable, including fees.

More ways to compare business loans

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