Skip to content

Funding without putting up property

Unsecured Business Term Loan

A lump sum based on how your business actually trades, repaid over a fixed term. No property, no lengthy valuation: the decision rests on your turnover and trading history.

Apply nowAsk a question
Person working through paperwork with a calculator and keyboard at a desk
Amount
$5,000 - $500,000
Term
3 - 36 months
Security
No property security required
Funding
As little as 24 hours

How it works

What is an unsecured business term loan?

An unsecured term loan gives you a fixed amount up front and a fixed repayment schedule, usually weekly or fortnightly, over a term you agree at the start. Because there's no property securing it, lenders look at recent bank statements and turnover rather than a valuation, which is why the process moves in days rather than weeks.

Most lenders will take a director's guarantee and a general security agreement over the business, but your home stays out of it. For amounts under about $150,000 a decision often comes from bank statements alone.

Who is it for?

  • Businesses trading at least six months with consistent revenue
  • Owners who don't want to put a family home on the line
  • Anyone who needs a decision this week rather than next month
  • Businesses whose assets are already committed elsewhere

Common uses

  • Covering a cash-flow gap between invoicing and payment
  • Buying stock ahead of a busy season
  • Funding a marketing push or a new hire
  • Paying down an ATO debt or clearing supplier arrears
  • Fit-out or refurbishment costs

Ready to apply for unsecured term loan?

Apply in minutes and see what's available. Most applications are assessed within 24 hours.

Apply nowEmail us

Questions

Common questions answered

Other options

Explore the rest of our funding