Unsecured Business Loans
What is an unsecured Business Loan?
Unsecured business loans allows eligible Australian businesses to access funding without using property or assets as security. The application is based on business turnover , cashflow , trading history and overall strength of the application
These loans are used for a whole range of purposes including working capital, cashflow , stock purchase , marketing , Tax debts , debt consolidation and business growth oppurtunities. Depending on the lender and the application , approvals and funding can be funded within as little as 12-24 hours which allows businesses to make sure they capitalise on oppurtunities knowing they can access funding so quickly
Loan amounts , terms and eligibility requirements vary depending on the lender and the strength of the application. Businesses with more consistent turnover , healthy cashflow and an established trading history will generally have access to the widest range of funding solutions
Fast decisions
Approvals and funding can be very fast for eligible clients.
Simple documents
Usually just 6 months bank statements and your driver licence.
Multiple lenders
Access to a wide panel of unsecured cash flow lenders.
Do I Qualify?
These are the minimum requirements to qualify for an unsecured business loan
3 Months Minimium ABN
$10k Monthly Turnover
Business Bank Statements
Benefits of Unsecured Business Loans
One of the biggest benefits to an unsecured business loans is the ability to access funding without using any assets as security. This allows business owners to preserve thier assets while still obtaining the capital needed to support growth , manage cashflow and cover expenses
Unsecured business loans are known for their speed and flexibility. Depedning on the lender approvals can often be completed within 12-24 hours allowing businesses to act quickly when oppurtunities arise. Loan amounts start from $5k to $500k with loan terms available from 3 months up to 5 years. The amount and term available will depend on the lender and the strength of your application. Funds can be used for a wide range of purposes including stock , hiring staff, consolidating tax debt , cash flow and any other business related purpose
The major key advantage of unsecured business loans is the streamlined application process , most lenders will only require basic business information and 6 months bank statements making the process significantly faster and easier than traditional bank lending , this is particularly beneficial for business owners who need funding solutions without lengthy paperwork and long timeframes
Unsecured business loans are available across almost all industries and can be tailored to suit different business requirements . Flow lending has helped business owners from all different fields such as professional services, trade businesses , manufacturing , retail , hospitality , medical , i.t services and e commerce businesses
Success Stories
$150,000 Unsecured Business Loans & Debt Consolidation
A roofing company was managing two business loans along with a $70,000 ATO debt. Using only recent bank statements, we secured a $150,000 unsecured business loan over a 4-year term, consolidating all existing debts into one manageable repayment. The solution reduced the client’s monthly repayments by approximately $6,700, significantly improving cash flow and making their finances easier to manage.
$800,000 Unsecured Business Funding for Expansion
A growing café business accessed $800,000 in unsecured business funding over a six-month period to support the opening of four new locations. With fast access to capital, the business successfully expanded its footprint, resulting in a 400% increase in gross sales and profit margins.
Want to see more client funding results ? View our funded clients page
How it works
1. Short consultation
We start with a quick conversation to understand your business, how much you need and what you want the funds for.
2. Documents and options
You provide your bank statements and ID. We review your profile across our lender panel and outline the loan options available.
3. Approval and funding
Once you choose a direction, we submit your application. Many approvals and contracts are turned around within 24 to 48 hours.
Frequently asked questions
Is my business eligible?
To be eligible for an unsecured business loans with Flow Lending, your business must have been trading for at least 3 months and have a minimum turnover of $10,000 per month. If you do not meet these figures, you will not qualify for our current products.
What are the rates and fees?
Every lender has different rates and fee structures based on your profile, industry and strength of the business. We disclose every fee and cost upfront so you know exactly what you are agreeing to before you sign.
What documents do I need to apply?
Unsecured loans are designed to be straightforward. In most cases, we only need 6 months of business bank statements and your driver’s licence to complete an assessment and submit to a lender.
I have current or previous bad credit, can I still get a loan?
You may still have options. Flow Lending has helped many clients with credit issues because we know past mistakes are not always a fair measure of today’s business. Some of our lenders are relationship-focused and look closely at the current strength of your business, not just your credit score.
Can I pay out my loan early?
Early payout terms vary between lenders. Some offer 100% discounts or waivers on remaining interest, while others may offer partial discounts such as 50% or 75%. Your lending specialist will explain the early payout options for each lender before any formal application is made.
How quickly can I get approved?
We work as quick as you do , we can have clients funded the same day / 24 hours but if we have missing documents and cannot contact you then it will take longer
Explore our finance services
Car Loans
Upgrade or expand your fleet with flexible car and commercial vehicle finance that works for trades, transport and service businesses.
Equipment Finance
From tools and machinery to hospitality and even helicopters, we help you fund the equipment that keeps your business running.
Business Line of Credit
Access funds when you need them with a revolving line of credit, so you only pay interest on what you use.
Ready to see your options?
If your business meets the minimum trading and turnover requirements, we can help you explore unsecured loan options from our panel of lenders.