Business Loans Australia: Unsecured, Low Doc & Bad Credit Finance Options
Approved by 40+ Lenders. Tailored Loans That Actually Work for Your Business.
⭐⭐⭐⭐⭐ 5/5 from Australian business owners • 40+ lenders compared • Fast settlements from 24 hours
No hard credit enquiry for pre-assessment. Secure, private process. Response within 1 business day.
✅ Low-Doc considered
✅ Bad credit considered
✅ Unsecured options
Need a Business Loan?
If you're an Australian business owner searching for fast, simple, and trustworthy business finance — this is the page for you. Whether you're a sole trader, a tradie, a construction business, or a retail operator, this page explains all major funding options tailored to your stage of business.
Unlike other sites, we skip the jargon and give you clear, reliable answers on how to get approved — even if you’ve been declined elsewhere or don’t have your financials in order.
Compare Business Loan Types
Unsecured Loans
Best For: Working capital, staff, stock
Speed: 24–48 hrs
Docs Needed: Low
Learn more
Low Doc Business Loans
Best For: ABN holders with limited docs
Speed: 24-48 hrs
Docs Needed: Minimal
Learn more
Bad Credit Loans
Best For: Defaults, ATO debt, low score
Speed: 24-72 hrs
Docs Needed: Flexible
Learn more
No Doc Business Loans
Best For: New ABN holders
Speed: 24-48 hrs
Docs Needed: None to minimal
Learn more
Unsecured Business Loans
If you want fast business funding without putting up property, this is the most popular option in Australia.
Key Features:
No property or collateral required
Terms from 3 to 36 months
Repayments structured around your cash flow
Funding available from $5K to $500K
Common Uses:
Paying staff or suppliers
Ordering stock during busy periods
Marketing and advertising
Opening a new location
Who It's For:
Established businesses with regular turnover
Those who want a fast, simple process without financials
Example: A Melbourne café was approved for $50K in 48 hours to fit out a new location with flexible repayment terms.
Learn more: How unsecured business loans work
Low Doc Business Loans
If you run a business but don’t have up-to-date financials, a low doc loan may be the best fit.
Key Features:
No tax returns or BAS needed
Assessment based on business bank statements
Loans up to $250K depending on turnover
Approval in as little as 24 hours
Common Users:
Tradies, contractors, and sole traders
Hospitality business owners (cafes, restaurants)
Fast-growing startups with no formal accountant yet
Minimum Requirements:
6+ months ABN age
Business account with consistent activity
ID and basic business information
📍 Pro tip: Being registered for GST can increase your approval limit.
👉 Explore: How to get approved for a low doc loan
No Doc Business Loans
Looking to move fast without digging up paperwork? A No Doc Business Loan could be your quickest way forward — no financials or bank statements required.
No balance sheets or tax returns needed
Based on your business’s trading history, industry and profile
We consider your business and credit — not just past financials
Real Example: A New South Wales-based Indian restaurant with poor banking history secured $50,000 in 24 hours to purchase a van — no docs needed.
Bad Credit Business Loans
Been knocked back due to late payments, defaults or ATO debt? We can still help.
We look at your business, not just your credit file
Funded based on cash flow, not past mistakes
Great for businesses with revenue but imperfect credit
Example: A steel fabrication company in Melbourne with a default secured $50K for various operating costs—approved in 24 hours.
Three Steps to Securing a Business Loan
While protecting your credit score
1.
Quick Discovery Call
Quick call to understand your business (no credit hit)
2.
Analysis & Match
We review lenders that offer the best offers for your situation.
3.
Approval & Funding
Sign digitally and money in the bank as fast as 24 hrs
Mini‑Story: Eight weeks of silence from her old broker left Sophie’s retail store strapped for cash and slipping sales. Her bank dangled just $35k—plus mountains of paperwork she couldn’t supply. After reading our guide to bad‑credit lending, Sophie called us. Within 24 hours, we secured her a $150 k line of credit. Suppliers were paid, shelves restocked, wages covered, and Sophie could focus on boosting sales instead of chasing finance. When time is tight and credit looks bleak, business owners turn to Casey Asset Finance for a fast, decisive “yes.”
Frequently Asked Questions
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Some approvals happen same-day. Funding can occur in 24–48 hours depending on the lender and loan size.
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No. Many of our lenders offer unsecured options up to $500K.
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Yes. We work with lenders that assess cash flow, not just your credit history.
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Usually just a driver’s licence and 6 months of business bank statements.
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Read our 2025 Tyro business loan review first. We cover off almost everything you need to know.
Built for Australian Business Owners Like You
Whether you're:
A sole trader needing short-term cash flow support
A construction business preparing for an upcoming job
A manufacturer covering wages before the next invoice
…we help you access the best loan options without stress.
We understand the industry. We handle the process. We make finance easy.
★★★★★ 5-Star Rated Service
“Michael Pajar at Casey Asset Finance was outstanding to deal with. From the very beginning, he was efficient, professional, and incredibly knowledgeable. What really stood out to me was his honesty and genuine care he showed in understanding what would work best for my business—not just pushing a generic solution.
He navigated the short-term financing process smoothly, kept me well-informed at every step, and made sure the option we chose aligned with my business needs and cash flow. It’s rare to find someone so trustworthy and easy to work with in the finance space. Highly recommend Michael if you’re looking for a reliable and smart financial support”
— Safety & Compliance Business QLD
Helpful Resources
✅ Low Doc Loans: What You Need to Know – Understand if you're eligible for streamlined funding.
✅ How Bizcap Compares to Other Lenders – A real-world review to help you choose the right lender.
✅ Loan Rejection Reasons and How to Avoid Them – Insider tips to increase your approval chances.
✅ How Does Tyro Business Loans Compare – Easy to access, but is it really helping your cashflow?
✅ Line of Credit vs Business Loan – Both are useful tools, but each has different benefits and risks.
Need an unsecured, low doc, or bad credit loan?
No hard credit enquiry for pre-assessment. Secure, private process. Response within 1 business day.