Unsecured Business Loans
Access business finance from $5,000 to $500,000 without putting up property as security. Our unsecured loans are based on your business cash flow, not your home. Fast approvals, same-day decisions, and funds in your account within 24-48 hours.
No property security. Cash flow based. Same-day decisions available.
Business Finance Without Property Security
Traditional business loans often require you to put up your home or other property as security. For many Australian business owners, that is not an option - or simply not something they are comfortable with. That is where unsecured business loans come in.
Unsecured business loans are assessed primarily on your business's cash flow and revenue, not on property values. This means faster approvals (no property valuations needed), and your personal assets stay separate from your business finances.
At Your Lending Friend, we work with specialist lenders who understand cash flow lending. Whether you need working capital, want to seize a growth opportunity, or need to manage a temporary cash flow gap, we can help find the right unsecured finance solution.
Why Choose Unsecured Business Loans?
Keep your property separate from your business finances
No Property Security
Keep your home and property separate from your business. Our unsecured loans don't require real estate as collateral.
Fast Approval
Same-day decisions available. Without property valuations to wait for, approvals are much faster than traditional bank loans.
Based on Cash Flow
Lenders assess your business performance and revenue, not just your assets. Strong cash flow can mean better rates.
Flexible Use of Funds
Use your loan for any legitimate business purpose - working capital, inventory, marketing, equipment, or growth.
Borrow $5,000 to $500,000
Unsecured business loans are available for a wide range of amounts. The amount you can borrow depends on your business turnover, time in business, and overall financial health.
How Unsecured Business Loans Work
Fast, simple process without property valuations
Quick Application
Complete our simple online application in under 5 minutes. Tell us about your business, how much you need, and what it is for.
Cash Flow Review
We review your business bank statements and revenue to understand your cash flow. No property valuations needed.
Same-Day Decision
Many applications receive same-day approval. We present your options clearly so you can choose the right fit.
Fast Funding
Once approved, funds can be in your business account within 24-48 hours. Get back to running your business.
Checking your options won't affect your credit score
What Can You Use the Funds For?
Working Capital
Cover day-to-day operating costs
Inventory Purchase
Stock up before busy periods
Marketing Campaigns
Invest in business growth
Equipment Upgrades
Improve productivity and efficiency
Cash Flow Gaps
Bridge slow periods smoothly
Tax Obligations
Clear ATO debts and avoid penalties
Am I Eligible?
Unsecured business loans are available to a wide range of Australian businesses. Here are the general requirements:
Not Sure If You Qualify?
Even if you do not meet all the standard criteria, we may still have options. We work with specialist lenders who consider:
- •Businesses with past credit issues
- •Newer businesses with strong revenue
- •Seasonal businesses with variable cash flow
- •Self-employed and contractors
Unsecured Business Loan FAQs
Common questions about unsecured business finance
An unsecured business loan is a type of finance that doesn't require property or significant assets as collateral. Instead, lenders assess your business based on cash flow, revenue, and trading history. This makes it faster to arrange and keeps your personal property separate from your business finances.
Unsecured business loans typically range from $5,000 to $500...
Unsecured business loans typically range from $5,000 to $500,000, depending on your business turnover, time in business, and overall financial health. Some specialist lenders may go higher for established businesses with strong cash flow.
Interest rates for unsecured business loans are generally hi...
Interest rates for unsecured business loans are generally higher than secured loans because the lender takes on more risk. Rates typically range from 8% to 30% p.a. depending on your business profile. We work with multiple lenders to find competitive rates for your situation.
Yes, we work with lenders who consider businesses with past ...
Yes, we work with lenders who consider businesses with past credit issues. If your business is generating consistent revenue and has healthy cash flow, options may be available. The focus is often on current business performance rather than past credit history.
Most unsecured business loan applications require: 3-6 month...
Most unsecured business loan applications require: 3-6 months of business bank statements, proof of ABN registration, identification documents, and sometimes recent BAS statements. Low doc options may only require bank statements.
Many unsecured business loans can be approved same-day, with...
Many unsecured business loans can be approved same-day, with funds available the next business day. Since there is no property valuation required, the process is significantly faster than traditional secured lending.
Unsecured business loans can be used for almost any legitima...
Unsecured business loans can be used for almost any legitimate business purpose including working capital, inventory purchases, equipment, marketing, staff wages, expansion, cash flow management, or tax obligations.
Most unsecured business loans require a personal guarantee f...
Most unsecured business loans require a personal guarantee from the business directors. This means you are personally liable if the business cannot repay. However, this is different from securing the loan against your property.
Still have questions? Contact our friendly team