Pty Ltd Business Loans
Business loans for Australian Pty Ltd companies
Fast unsecured finance for registered companies. $10K–$500K with no collateral. Decision within 2 hours.
Apply now
2 minutes · Soft check only · Free
Overview
Why loans businesses choose Avoir
Australian Pty Ltd companies are the most common applicants for unsecured business finance. Your company structure provides clarity around directorship, liability, and revenue — all of which make the lending assessment straightforward. Avoir connects Australian companies to specialist lenders who can assess your Pty Ltd based on company bank statements and make fast lending decisions.
Key features
Company structure recognised
Pty Ltd companies with an active ABN and ACN are assessed based on company bank statements and trading history.
Director guarantee
Most lenders require a personal guarantee from the primary director. This is standard practice for unsecured SME lending.
Same-day decisions
Most Pty Ltd applications receive a decision the same business day.
$10K–$500K unsecured
Access capital without pledging company or personal assets as security.
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 →Does my Pty Ltd need to be established to apply?
Yes. Avoir works with companies trading 12 months or more. Individual lender minimums vary and are set by the lender, not by us.
Can multiple directors apply?
The primary director applies. If there are multiple directors, lenders may require guarantees from directors holding significant shareholding.
Do lenders assess the company or the directors?
Both. Company cash flow and trading history are primary, but director credit history is also assessed as part of the personal guarantee.
What if my company has multiple bank accounts?
Provide statements for the primary trading account. Lenders may request additional accounts if the primary does not show the full picture.
Ready to apply?
Get fast finance for your company
Two-minute application. Soft credit check only — no impact on your score. Decision within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION