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 · No credit check · 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
Lender comparison
How Australian unsecured lenders compare
Major non-bank lenders offering unsecured business loans in Australia. Avoir connects you to the right lender for your profile — you don't need to apply to each separately.
| Lender | Max unsecured | Rate (indicative) | Decision time | Min. trading |
|---|---|---|---|---|
| Prospa | $300,000 | From 9.9% p.a. | 24 hours | 12 months |
| OnDeck | $250,000 | From 11.5% p.a. | Same day | 12 months |
| Lumi | $500,000 | From 15.75% p.a. | 24 hours | 12 months |
| Capify | $300,000 | Factor rate | 24 hours | 12 months |
| Moula | $250,000 | From 14% p.a. | 24 hours | 12 months |
| Shift | $500,000 | From 10% p.a. | 24 hours | 24 months |
Indicative data only. Rates, terms, and eligibility vary by lender and business profile. Last updated May 2026. Apply through Avoir to receive actual offers from our lending network.
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 — 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. The trade-off is a higher interest rate, but Avoir's non-bank lending partners keep the process fast and 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 entire process is significantly 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. Cash flow consistency matters more than a specific threshold — lenders assess your recent bank statements to understand how your business is actually performing.