Unsecured Business Loans

Our unsecured business loans can help you get quick access to working capital without constraints from $5,000 – $300,000.

Use this loan type to buy inventory, meet unexpected expenses, pay for marketing, or meet other business needs. Loandesk users choose these types of loans as they can be obtained even when you have other types of financing already in place. A great example of a unsecured business loan is one without lock-in contracts or on-going fees.

Unsecured business loans allow a business to borrow against future earnings. Repayments are unique in that withdrawals are made daily, weekly or monthly from the bank account in a small amounts. The repayment terms are usually 6 months to a year.

This type of financing is innovative, unique, and easy to qualify for, but must be used in the right situations. We only recommend these loans for short term cash flow gaps as they can be expensive over a longer period.

Will you qualify for an unsecured loan?

The financier is looking for regular cash flow or deposits into your account/s. These can be from invoice payments or credit/debit cards. Cash deposits can also be considered. The second thing they look at is how much money is leaving your account. They want to see how much money you have left over every week, day or month to make regular repayments as the loans are for a fixed term with set fixed repayment amounts at regular intervals:

Below are qualification points to consider:

You must show regular cash flow

Your business has been trading 6+ months

You don't have any major defaults

You have at least 1 year remaining on your lease

Your business hasn't gone through a recent restructure

Your not in the construction industry

Your must be an Australian resident

To confirm all qualification, you'll need to complete your profile

Financing Overview


Amount you can borrow based on:
Approvals are generally 1-2 months of average cash flow

Loan amounts:
$10,000 – $300,000

Loan term:
3 Months – 12 months

Interest rate:
15 – 30%

As little as 2 days.

Lender options


Flexible loan terms

Ability to re-draw on loan

No property security required

No company security taken

Directors guarantee only

Ability to increase loan sizes


Loandesk makes finding unsecured lenders quick & easy.


We work with a select group of carefully hand-picked lenders who are chosen based on their sound lending practices and superior customer service. Complete your profile & get matched loan options from 55+ lenders.

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Get approved for an unsecured business loan

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