Unsecured business loans
Support for cash flow when there is no asset to use.
Often considered when cash is tight and timing matters.
The first step is checking what makes sense for your business.
100% free • No credit score impact
🏆 Lenders’ Choice Broker of the Year Finalist (Optimise Awards 2025)
Why people look for this
Business owners usually explore unsecured business loans when:
money is needed to keep things moving
income goes up and down month to month
there’s no asset available to secure a loan
timing matters more than long loan terms
they want clarity before making any decisions
For most people, this search is about understanding options — not rushing.
What this can help with
When structured properly, unsecured business loans may help with:
short cash gaps
everyday business costs
timing issues between income and bills
keeping operations steady during uneven periods
The aim is to choose the right fit — not just any loan.
Who this may suit
This type of loan may suit:
businesses that are already trading
owners with regular business bank activity
businesses with uneven or seasonal income
directors who want clear answers before committing
If a business is very new or not actively trading, this may not be suitable.
What lenders usually check
While details vary, most lenders will look at:
how long the business has been trading
recent business bank statements
money coming in and going out
current debts and commitments
why the funds are needed
Each business is assessed on its own situation.
How this usually works
At a high level, the process looks like this:
You check eligibility
Business bank statements are reviewed
We explain what looks realistic for your situation
Nothing moves forward without review and your consent.
What you’ll need ready
Unsecured business loans still require information.
This usually includes:
at least 6 months of business bank statements
an active ABN
a clear reason for the loan
Bank statements are always required. We’ll confirm anything else after review.
Common uses
These loans are often used for:
working capital
paying wages or suppliers
covering short cash gaps
smoothing slow periods
How the funds are used matters.
Benefits when used carefully
Depending on the situation, potential benefits may include:
no asset security required
simpler loan structures
faster review in some cases
flexible use of funds
Benefits vary based on the business and lender criteria.
What can slow things down
Things that often cause delays include:
an unclear reason for the loan
messy or inconsistent bank statements
missed payments with no explanation
applying in too many places at once
Clear information usually leads to clearer outcomes.
Related situations you may want to explore
These pages focus on related scenarios and questions:
Business loans — if you want a broader view
Fast business loans — when timing matters
Business loans for contractors — for contract work
Bad credit and business loans - for safe credit solutions
Each page covers one clear situation.
FAQs
-
Unsecured business loans don’t rely on property as security. Assessment is usually based on bank statements, business conduct, and the purpose of the loan.
-
Yes. Many businesses have uneven income. Lenders usually look at patterns across bank statements rather than expecting the same amount every month.
-
No. Checking eligibility is simply a way to understand what may be realistic. Nothing proceeds without your review and consent.
-
They’re typically shorter-term compared to traditional bank loans. The structure depends on the lender and the business situation.
The safest next step
If you’re considering an unsecured business loan,
the safest next step is to check eligibility first.
100% free • No credit score impact