Business loans — no collateral
Business loans with no collateral required
Access up to $500K in business finance without putting your property or assets on the line. Approval based on your cash flow, not what you own.
Apply now
2 minutes · Soft check only · Free
Overview
Why collateral businesses choose Avoir
Traditional bank business loans almost always require property as security — your home, your commercial premises, or other significant assets. This locks out the majority of Australian SME owners who either don't own property, don't want to risk it, or simply need capital faster than a secured loan process allows. Unsecured business loans change this equation. Approval is based on your business's cash flow, trading history, and revenue — not the value of assets you own.
Avoir's lending network specialises in unsecured business finance. Our lenders have funded thousands of Australian businesses without requiring a single piece of collateral. The trade-off is a higher interest rate than secured lending — but for many businesses, protecting personal and business assets is worth that premium.
Key features
No property required
Residential or commercial property is not required as security. Approval is based on your business revenue and banking history.
No equipment security
Unlike some business finance products, unsecured loans do not require you to pledge equipment, vehicles, or inventory as collateral.
Personal guarantee only
Most lenders require a personal guarantee from the primary director — a personal commitment to repay — but no physical assets are pledged or at risk of seizure.
Protect your assets
If your business encounters difficulties, unsecured lending means your property and personal assets are not at direct risk from the lender's security interest.
Eligibility
Am I eligible to apply?
Here is what Avoir looks for. We work with businesses trading 12 months or more; individual lender minimums vary and are set by the lender, not by us. Meeting our criteria makes a business eligible to apply. It does not mean an application will be approved.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →What is an unsecured business loan?
An unsecured business loan is finance provided without requiring physical assets — such as property or equipment — as collateral. The lender's recourse in the event of default is through the personal guarantee rather than through seizing pledged assets.
Do I still need to sign a personal guarantee?
Yes. Most unsecured lenders require a personal guarantee from the primary director. This means you personally commit to repaying the loan if the business cannot. However, this is different from pledging specific assets — the lender does not hold a security interest over your property.
How much can I borrow without collateral?
Through Avoir's lending network, unsecured loans are available from $10,000 to $500,000 depending on your revenue and business profile. Facility sizes are generally set as a proportion of monthly revenue, and the multiple varies by lender and by industry.
Is an unsecured loan more expensive?
Yes. Unsecured loans carry higher interest rates than secured equivalents because the lender takes on more risk. In 2026, unsecured business loan rates in Australia typically range from 9.5% to 28% p.a. depending on your profile.
Who is eligible to apply for an unsecured business loan?
Australian businesses with an active ABN and revenue of $10,000 per month or more. Both sole traders and companies are eligible. Avoir works with businesses trading 12 months or more; individual lender minimums vary and are set by the lender. Clean credit is not required but improves your rate.
How fast can I access unsecured finance?
With specialist non-bank lenders, same-day decisions are common and funds can be transferred within 24 hours of approval — significantly faster than secured lending, which often requires property valuations and extended assessment.
Ready to apply?
Get funding without risking your assets
Two-minute application. Soft credit check only — no impact on your score. No collateral required.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION