Compare Unsecured Business Loans Australia

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Fast, Flexible Business Funding Without Asset Security

Need business funding without using property, vehicles or equipment as security? An unsecured business loan can help eligible Australian businesses access capital quickly, without tying the loan to a specific asset.

Ausloans helps business owners compare unsecured business loan options across a wide lender network, with broker-led support from enquiry through to approval. Whether you need funds for growth, working capital, stock, marketing, repairs or short-term business expenses, our team helps match your business profile with lenders suited to your needs.

With fast digital assessment through Zink and guidance from experienced commercial finance brokers, you can explore unsecured finance options without going directly from lender to lender.

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What is an Unsecured Business Loan?

An unsecured business loan is business finance that does not require a specific asset, such as property, equipment or a vehicle, to be used as loan security.

Instead of relying on physical collateral, lenders assess the strength of your business, including revenue, trading history, bank statements, credit profile and ability to repay the loan. Because the loan is not secured against a specific asset, approval criteria can be more focused on cash flow and business performance.

Unsecured business loans are commonly used by small businesses, sole traders and established companies that need access to funds quickly but do not want to use business assets or personal property as security.

Unsecured business loan (1)

Business Loans Designed Around Your Specialty

Every business has different funding needs. Some businesses need capital to expand. Others need to smooth cash flow, refinance existing debts, fund a large contract, manage seasonal demand or invest in growth.

A secured business loan can be used for a wide range of business purposes, including:

Ausloans helps match your business to lenders that understand your industry, loan purpose and financial position, so you are not limited to a one-size-fits-all product.

Who Are Unsecured Business Loans Suitable For?

Unsecured business loans may suit businesses that need flexible funding without offering asset security.

They can be useful for business owners who need capital for growth, operating expenses or short-term funding needs, but either do not have suitable assets to secure against or prefer not to tie finance to a vehicle, equipment item or property.

If your funding need is specifically tied to managing short-term gaps in revenue and expenses, you may also want to compare cash flow loan options. If you are looking for broader business funding with more flexible loan structures, our business loans page may also be relevant.

An Unsecured Business Loan May Suit:

  • Businesses needing fast access to working capital
  • Businesses that do not want to use property or equipment as security
  • Businesses funding stock, wages, marketing or expansion costs
  • Sole traders, contractors and small businesses with regular revenue
  • Business owners who want broker help comparing lender options

If you are unsure whether secured or unsecured finance is more suitable, Ausloans can help compare your options before you apply.

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How Ausloans Helps Compare Unsecured Business Loans

Ausloans combines digital finance technology with broker-led support to help businesses compare funding options efficiently. The process is designed to be simple and digital. You can begin online, provide key business details, and receive guidance from an Ausloans broker who understands how different lenders assess business trading history, revenue, risk and documentation. Ausloans can help with:

Fast access to funds

Because there is no asset valuation or security registration process tied to a specific asset, unsecured business loans can often be assessed quickly. 
Fast access to funds

No asset security required

You may not need to use property, equipment, vehicles or other business assets as collateral. 
No asset security required

Flexible use of funds

Unsecured business finance can be used for many business purposes, including working capital, stock, wages, marketing and growth expenses. 
Flexible use of funds

Useful for short-term opportunities

Unsecured finance may help businesses act quickly when an opportunity arises, such as purchasing discounted stock, launching a campaign or managing a temporary funding gap. 
Useful for short-term opportunities

Broker-led lender matching

Ausloans helps compare lender options based on your business profile, rather than leaving you to approach lenders one by one. 
Broker-led lender matching
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Meet Zink - Our AI Powered Loan Matching Engine

Through Zink, Ausloans can capture your application details, assess your finance profile and support lender matching across our panel. This helps your broker understand your funding needs earlier and identify suitable pathways before a full lender submission.

You get the speed of an online application with the guidance of a broker who can help structure your application properly.

How Ausloans Helps Compare Unsecured Business Loans 

Ausloans combines smart technology with broker-led support to help Australian businesses compare unsecured loan options more efficiently.

Through Zink, our finance platform, we can assess your business profile and help identify lenders whose criteria may suit your circumstances. This helps reduce the need to submit multiple applications across different lenders and gives you a clearer pathway before proceeding.

This means you get digital speed without losing the value of experienced broker guidance.

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Unsecured Business Loan

Unsecured Business Loan Rates Comparison

Commercial finance rates can vary significantly depending on the funding structure, security offered, business trading history, loan amount and lender requirements. The rates shown below are based on secured business finance products and represent indicative "from" rates only. Businesses seeking unsecured funding should generally expect higher interest rates, as no property or business assets are provided as security. Actual rates will depend on the individual business profile and lending assessment. 

Lender
Loan Amount
Loan Term
Interest Rate (FROM)
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Shift
$25k - $150k
3 - 24 Months
14.95%
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ScotPac
$10k - $150k
6 - 24 Months
14.95%
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Prospa
$10k - $250k
3 - 12 Months
15.90%
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Bizcap
$30k - $1M
3 - 12 Months
15.99%
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Dynamoney
$10k - $200k
6 - 60 Months
14.40%
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Banjo
$20k - $250k
6 - 60 Months
14.50%
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Liberty
$10k - $2M
6 - 60 Months
14.99%
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Important: The rates displayed are indicative rates for unsecured business finance products. Secured business loans generally attract lower interest rates and may have different eligibility and security requirements. 

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Unsecured Business Loan FAQs

Commercial finance can look different depending on your business structure, funding purpose and available documentation. These FAQs answer common questions about comparing unsecured  business funding options and understanding which business finance solution may suit your needs.

How do I know if my business is eligible for an unsecured business loan

Eligibility for an unsecured business loan depends on the lender, your business profile and your ability to repay the loan.

Lenders commonly assess:

  • ABN status
  • Time in business
  • Monthly revenue
  • Business bank statements
  • Credit history
  • Existing business debts
  • Industry type
  • Loan amount requested
  • Intended use of funds

Some lenders may work with younger businesses, sole traders or applicants with limited financial documentation, while others may require stronger trading history and revenue. Ausloans helps compare lender criteria so your application can be directed toward options that better fit your situation.

What documentation do I need for unsecured business finance?

Document requirements vary by lender, but many unsecured business loan applications can be assessed using recent business bank statements and basic business information.

You may be asked to provide:

  • ABN and business details
  • Identification
  • Recent business bank statements
  • BAS or tax information, depending on lender requirements
  • Details of existing debts or liabilities
  • Loan purpose and requested amount

Some lenders may offer low-doc or alt-doc assessment pathways for eligible businesses. Your Ausloans broker can confirm what documents are required based on your business type and preferred loan structure.

Are unsecured business loans harder to get approved for?

Unsecured business loans can have stricter approval criteria because the lender is not relying on a specific asset as security.

Lenders usually place more emphasis on your business revenue, bank statements, credit history and ability to repay the loan. However, approval criteria vary significantly between lenders. Ausloans helps compare options across a wide lender panel so your application can be matched with lenders that suit your business profile.

Can I get an unsecured business loan with an ABN?

Yes, ABN holders may be eligible for unsecured business loans if they meet lender requirements.

Lenders may consider your time in business, monthly revenue, bank statements and credit profile. Sole traders, contractors and small business owners may be eligible, depending on their financial position and the loan amount requested.

Do I need property to get an unsecured business loan?

No. An unsecured business loan does not require property security.

This makes it different from secured business loans, which may use property, vehicles, equipment or other assets as collateral. However, some lenders may still require a director’s guarantee or other business commitments, depending on the loan structure.

What can I use an unsecured business loan for?

Unsecured business loans can be used for many business purposes, including working capital, stock, wages, marketing, supplier invoices, business expansion and short-term operating expenses.

The key requirement is that the funds are used for legitimate business purposes. Your lender may ask about the intended use of funds during assessment.

How much can I borrow with an unsecured business loan?

The amount you can borrow depends on your business revenue, trading history, credit profile, existing debts and repayment capacity.

Minimum and maximum loan amounts also vary by lender and policy. Because unsecured loans are not backed by a specific asset, lenders may set lower borrowing limits than they would for secured finance. Ausloans can help compare lenders based on the amount you need and your business’s ability to repay.

Are unsecured business loans fast to get approved?

Unsecured business loans can often be faster than secured finance because there is no specific asset valuation or security registration process.

Approval speed depends on the lender, the loan amount, your business profile and how quickly you provide the required documents. Having recent bank statements and business details ready can help speed up assessment.

Do unsecured business loans have higher interest rates?

Unsecured business loans may have higher interest rates than secured loans because the lender is not using a specific asset as collateral.

The rate you receive will depend on your business’s financial strength, revenue, credit profile, loan amount and lender criteria. Comparing lenders can help identify more suitable options for your circumstances.

Is an unsecured business loan the same as a cash flow loan?

Not always. An unsecured business loan is a broad type of business finance that does not require asset security, while a cash flow loan is usually focused on managing short-term working capital or revenue timing gaps.

Some cash flow loans may be unsecured, but not every unsecured business loan is specifically a cash flow loan. The right option depends on your funding purpose.

Read more about cashflow loan options here.

Can startups get unsecured business loans?

Some lenders may consider newer businesses, but unsecured business loans are generally easier to access when the business has trading history and revenue.

Startups with limited revenue may have fewer lender options or may need alternative documentation. Ausloans can help assess whether unsecured business finance, low-doc finance or another business funding option is more suitable.

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Answers to more Commercial Finance FAQs
Eligibility, loan structures, documentation and more
Commercial Finance FAQ