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.
19 products from 10 lenders ยท Last checked 24 Sept 2026
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Products listed as unsecured, or where security varies with the amount, as published by each lender.
19 products from 10 lenders
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
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.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Business term loan from $20K to $500K with fixed repayments.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Unsecured loan to an owners corporation for building works, upgrades or remediation, from $250K to $10M over 2 to 15 years.
Smaller unsecured strata loan from $50K to $250K for works, legal costs, insurance premiums or refinancing, paid in one lump sum.
Strata project funding where some owners pay their share upfront and others repay through loan levies.
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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.
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.
Time trading, turnover, account conduct, existing loan repayments and director credit history.
Daily or weekly repayments are common. Model them against your slowest month before you commit.
Usually yes. Most lenders take a personal guarantee from the directors, and some register a general security interest over business assets for larger loans.
Some lenders publish minimums from around six months trading. Use the time in business filter to see which products fit.
Generally, because the lender has no specific asset to fall back on. Compare the total repayable, including fees.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.