Unsecured business loans
No collateral. No compromise.
Up to $500,000 in unsecured business finance from our lending network. No assets required.
Apply in minutes and receive a decision within hours. No property valuations, no weeks of waiting. Just fast, cash-flow-based lending.
Apply now
2 minutes · Soft check only · Free
The details
Unsecured loans at a glance
Eligibility
Active ABN
Registered and trading in Australia
12+ months trading
Minimum 12 months of business activity
$10,000+/month revenue
Cash flow consistency matters more than exact threshold
Bank statements
3–6 months of transaction history (no tax returns needed)
Any industry
Construction, hospitality, retail, services, and more
What lenders assess
What an unsecured lender is really looking at
An unsecured lender can't fall back on your property, so they underwrite the thing that actually repays the loan: your cash flow. Here is what they read, and what quietly trips applications up.
Revenue that arrives regularly
A lender reading your bank statements wants to see money arriving regularly, not one big month carrying a quiet quarter. Steady beats spiky. If your trade is seasonal, be ready to explain the pattern.
Your ATO position
A tax debt is not an automatic no. An unmanaged one is a red flag; a debt already on a payment plan you are meeting tells the opposite story, that you handle your obligations. If you can, get the plan in place before you apply, not after.
Serviceability against what you already owe
The lender adds the new repayment to your existing commitments and checks the total still leaves room to trade. Two small facilities you had half-forgotten about are a common reason a clean application gets trimmed back.
The cost: a factor rate is not an interest rate
Unsecured business loans are often priced as a factor rate rather than an annual percentage rate, and the two are not the same animal. Say you borrow $50,000 at a 1.2 factor rate. You repay $60,000, and paying it off early does not save you a cent, because that $10,000 is fixed at the start rather than accrued over time. An APR loan works the other way: interest builds on the balance, so clearing it early costs you less. Neither is a trick. But compare a factor rate to an APR as if they are the same number and you will misread what you are paying. We work the maths through here.
The director's guarantee
Unsecured means no property is pledged. It does not mean no one stands behind the loan. The primary director almost always signs a personal guarantee, and if the business can't pay, the lender can pursue you personally for the balance. It rarely comes to that. Sign it knowing what it means.
When unsecured is the right call, and when it isn't
It is the right tool for a short cash-flow gap, a fast opportunity, or a purchase that pays for itself inside the term. You are buying speed and keeping your assets clear. It is the wrong tool for a long-lived asset that should be financed against itself, which is what equipment finance is for, usually at a lower rate. And it is the wrong tool for propping up a business that is shrinking rather than simply timing-constrained. A good broker tells you when not to borrow. So will we.
Lender comparison
How Australian unsecured lenders compare
Major non-bank lenders offering unsecured business loans in Australia. Every figure below is published by the lender itself. Follow the source link on each row to check it.
Last verified: 10 July 2026
| Lender | Max amount | Term | Min. trading | Source |
|---|---|---|---|---|
| Prospa | $500K | Up to 60 months | 6 months | Prospa criteria |
| OnDeck | $300K | 6–24 months | 12 months | OnDeck criteria |
| Lumi | $1M | Up to 60 months | 6 months | Lumi criteria |
| Moula | $500K | Up to 60 months | 12 months | Moula criteria |
The maximum amount shown is each lender’s published ceiling. Maximum amounts and minimum criteria are not necessarily available together: larger facilities typically require longer trading history than the minimum shown, and the biggest amounts may require security or be asset-backed, so the unsecured limit can be lower.
Avoir's panel is not whole-of-market. Not every lender listed here is one we can refer you to. These figures are published by the lenders themselves and were last verified on the date shown. Rates and criteria change — check with the lender before relying on them.
Common questions
Can I get a business loan without property security?
Yes. Non-bank lenders offer unsecured business loans where approval is based on your cash flow and trading history rather than property. Avoir matches you with lenders who specialise in unsecured finance, so no real estate or physical assets need to be pledged.
How do unsecured business loans work in Australia?
You apply with basic business details and bank statements, and the lender assesses your revenue and cash flow to determine eligibility. Because there's no property valuation or complex security documentation, non-bank lenders on Avoir's panel can deliver decisions in hours rather than weeks.
What's the difference between a secured and unsecured business loan?
A secured loan requires collateral, typically property, which the lender can claim if you default. An unsecured loan requires no collateral, so your assets aren't at risk. You usually pay a higher rate for that, because the lender is carrying more risk. Avoir's non-bank lending partners keep the process fast and the assessment focused on your actual cash flow.
How fast can I get an unsecured business loan?
Most applicants receive a decision within 2 business hours, with funds transferred within 24 hours of approval. Because non-bank lenders don't require property valuations, the process is much faster than traditional bank lending.
What's the minimum revenue required for an unsecured business loan?
Most lenders in Avoir's network require minimum revenue of $10,000 per month, though requirements vary by lender. Consistency counts for more than the headline number. A lender reads your recent bank statements to see how the money moves through the business, because the total alone won't tell them whether it arrives reliably.