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Westpac

Westpac Unsecured Business Loan

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

Business LoansCashflow Loans
Source dated 25 Sept 2026
Amount
$5K to $250K
Term
1 yr to 5 yrs
Rate
Rate available on application
Security
Unsecured
Enquire about this product

Product details

As published by Westpac. Details not published by the lender are marked.

Loan amount
$5K to $250K
Rate
Rate available on applicationFixed rate; no rate figure published.
Rate type
Fixed
Term
1 yr to 5 yrs
Security
Unsecured
Structure
Term loan
Fees
Establishment fee of $250 · Monthly fee of $0 · Other fees such as early repayment fees may apply
Early repayment
Early repayment fees may apply
Time trading
12+ months trading
Turnover
$75K+ annual turnover
Restrictions
GST registered; under $1.5m in business lending with Westpac; ATO payments, loan repayments and employee entitlements up to date; no additional business lending in the past 30 days; not for refinancing other lending; not for franchisees, SMSFs or charities, or to start a business, fund property development or buy residential property.
How to apply
Direct with the lender, or through us
Not published by Westpac
repayment frequency, documents, guarantees, funding time
Suitable purposes
GrowthCash flow

About Unsecured Business Loan

Westpac publishes these details for Unsecured Business Loan: structure term loan; loan amount $5K to $250K; term 1 yr to 5 yrs; security unsecured; time trading 12+ months trading; turnover $75K+ annual turnover. Not published by Westpac for this product: maximum LVR, documentation, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Westpac products

  • Bank Bill Business Loan: Structure is term loan here and term loan (BBSY-linked) for Bank Bill Business Loan; loan amount is $5K to $250K here and from $250K for Bank Bill Business Loan; term is 1 yr to 5 yrs here and up to 30 yrs for Bank Bill Business Loan; security is unsecured here and secured for Bank Bill Business Loan.
  • Business Car Loan: Structure is term loan here and chattel mortgage for Business Car Loan; loan amount is $5K to $250K here and from $15K for Business Car Loan; term is 1 yr to 5 yrs here and 1 yr to 7 yrs for Business Car Loan; security is unsecured here and asset-backed for Business Car Loan.
  • Business Equipment Loan: Structure is term loan here and chattel mortgage (lease and hire purchase also offered) for Business Equipment Loan; loan amount is $5K to $250K here and from $15K for Business Equipment Loan; term is 1 yr to 5 yrs here and 1 yr to 7 yrs for Business Equipment Loan; security is unsecured here and asset-backed for Business Equipment Loan.
  • Business Loan: Loan amount is $5K to $250K here and from $10K for Business Loan; Westpac publishes term (1 yr to 5 yrs) for this product but not for Business Loan; security is unsecured here and secured for Business Loan; Westpac publishes time trading (12+ months trading) for this product but not for Business Loan.

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More from Westpac

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Not published
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Source dated 25 Sept 2026
Details for Westpac Bank Bill Business Loan

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Not published
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Source dated 1 Oct 2026
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Fixed rate equipment loan (chattel mortgage) from $15,000 over 1 to 7 years for new or used equipment; lease and hire purchase also offered.

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Not published
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Source dated 25 Sept 2026
Details for Westpac Business Equipment Loan

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Source dated 25 Sept 2026
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