Fast Unsecured Business Loans Australia-Wide

Unsecured Business Loans

Fast, Flexible Funding with Unitree Finance – Australia-Wide

Looking for reliable unsecured business loans in Australia? Unitree Finance facilitates fast, flexible, and collateral-free business loans to help small and medium enterprises grow.


Whether you're a startup, an expanding company, or an established enterprise, we offer hassle-free funding from $5,000 to $500,000 — often approved within 12 hours. Enjoy low-doc applications, competitive interest rates from 7.75%, and a personalised lending experience from a trusted finance broker.

Trade Finance

What Is an Unsecured Business Loan?

An unsecured loan for business doesn't require you to offer property or assets as collateral. It's a practical and fast business funding solution to:

  • Manage business cash flow
  • Fund marketing or expansion projects
  • Cover wages, bills, or rent
  • Purchase inventory or new equipment
  • Invest in growth without risking personal or business assets

Benefits of Unsecured Business Loans

✅ No Collateral Required – Keep personal and business assets secure

⚡ Fast Business Loans – Pre-approval in 59 minutes, funding in 12–24 hours

💼 Flexible Repayment Options – Terms tailored to your cash flow

🚀 Great for Startups & SMEs – Perfect for businesses with limited history

💡 Low Documentation Loans – Minimal paperwork for quicker outcomes

Who We Help

Unitree Finance supports a wide range of Australian businesses across sectors like:

  • Hospitality
  • Allied healthcare
  • Construction & trades
  • Retail & eCommerce
  • Professional services

Recent Success Stories Include:

  • A Melbourne café approved for $80K to renovate and reopen
  • A Brisbane digital agency managing cash flow between large projects
  • A Sydney allied health clinic securing funds to launch a second location

How It Works

  1. Apply Online in 60 Seconds – Simple, fast form
  2. Upload Your Bank Statements – No printing or scanning needed
  3. Get Approved & Funded – Typically within 24 business hours

Loan Features

  • Loan Amounts: $5,000 to $500,000
  • Interest Rates: From 7.75% p.a.*
  • Loan Terms: 3 to 36 months
  • Documents Required: 6 months’ business bank statements, valid ID, ABN, and ATO documentation if requested
  • Credit Checks: Only conducted after an offer is accepted

Eligibility Checklist

  • Active ABN
  • Trading for 6 months or more
  • Earning $5,000 or more per month

Use Your Unsecured Loan For:

  • Business expansion
  • Inventory & equipment
  • Marketing & advertising campaigns
  • Staff wages & super
  • Rent, utilities, and operating costs

Avoid These Common Mistakes

❌ Applying with multiple lenders at once

❌ Borrowing beyond your needs

❌ Submitting inaccurate information

✅ Let Unitree Finance guide you through the best unsecured funding options and help protect your credit score.

Why Choose Unitree Finance for Your Business Loan?

We’re a specialist Australian finance broker that puts your business first. With tailored funding solutions, transparent terms, and access to 30+ lenders, we make it easy to get the capital your business needs:

  • Save up to 12.5% on lender fees through our cashback incentive
  • No upfront or hidden charges
  • Smart lender-matching to increase your approval rate
  • Loans available Australia-wide for all industries

FAQs

  • How Can I Qualify for an Unsecured Business Loan?

    To qualify for an unsecured business loan, you need to meet the following criteria:

    • Have an active ABN (Australian Business Number)
    • Be in operation for at least 6 months
    • Have a minimum monthly turnover of $5,000 over the past 6 months

  • How Do I Apply for an Unsecured Business Loan?

    Applying for an unsecured business loan is fast and hassle-free. Simply complete our online application form and upload your last 6 months of business bank statements using the secure link we provide. No need to print or sign any documents.

  • What Documents Are Required for an Unsecured Business Loan?

    For loans up to $250,000, you generally only need to submit 6 months of bank statements and valid identification. For larger loans over $250,000, you may also need to provide financial statements, BAS, and ATO transaction statements.

  • How Quickly Can I Get an Unsecured Business Loan?

    Approval times for unsecured business loans are swift. You could receive funds within as little as 3-4 hours, with most approvals happening within 24-48 hours after submitting all necessary documentation.

  • What Are the Interest Rates for Unsecured Business Loans?

    Interest rates on unsecured business loans vary depending on factors like your industry, cash flow, credit history, and loan terms. Rates generally range from 10-20% per annum, with higher rates for businesses with poorer credit scores.

  • What Is the Typical Loan Term for an Unsecured Business Loan?

    Unsecured business loans usually have shorter terms ranging from 3 to 36 months, with the majority of loans being offered for 12 months.

  • What Is a Personal Guarantee, and Is It Required?

    A personal guarantee (PG) is a legal commitment from the business owner or key individual agreeing to personally repay the loan if the business defaults. While no collateral is required for unsecured loans, most lenders require a personal guarantee to reduce risk.

  • When Will a Lender Conduct a Credit Check?

    Lenders will only perform a credit check with your consent after you submit your application. This ensures your credit score is protected during the initial loan inquiry.

  • Are There Any Application Costs for Unsecured Business Loans?

    There are no application fees for unsecured business loans. Once approved, an origination fee between 2-4% of the loan amount may apply. This is a one-time fee charged on top of the loan interest charged by the lenders.

  • Do Lenders Provide Loans to All Industries?

    Yes, lenders generally offer loans across various industries, with few restrictions. If you're unsure about your industry’s eligibility, contact us for a free consultation, and we’ll guide you through the process.

  • How Do I Submit My Bank Statements Securely?

    We provide a secure online link for you to upload your bank statements directly to us. This process is fast, and secure, and helps speed up your loan approval. Please note, PDF bank statements are no longer accepted due to potential fraud risks.

  • How Do Lenders Evaluate My Unsecured Loan Application?

    Lenders typically assess your cash flow, credit score, business history, industry, and other factors like past bank dishonours and director age. This comprehensive review helps them determine your borrowing capacity.

  • What Are the Alternative Loan Options to Unsecured Business Loans?

    If unsecured loans aren’t the best fit for your business, consider alternatives such as:

    • Secured business loans
    • Business lines of credit
    • Debtor finance
    • Invoice financing

    Our lending specialists can help you explore the right option for your business. Reach out to us today for a consultation.

  • Can I Get a Business Loan with a Poor Credit History?

    While securing a loan with a poor credit history can be challenging, it’s not impossible. We work with lenders who consider businesses with past credit issues but strong current cash flow. Contact us for a free consultation to discuss your options.

  • How Can Unitree Finance Help My Business?

    At Unitree Finance, we strive to match you with the right loan based on your business needs. We provide indicative offers before formal applications to minimize unnecessary credit checks and rejections. Our team is committed to helping you secure the financing your business needs while protecting your credit score.

Cashback Frequently Asked Questions (FAQs)

  • 1. How much can I save on unsecured finance with Unitree Finance?

    We offer extra savings on establishment costs for unsecured loans:

    • Loans up to $50,000: Additional saving of 5% on Establishment Cost
    • Loans between $50,001 and $100,000: Additional saving of 10% on Establishment Cost
    • Loans above $100,000: Additional saving of 12.5% on Establishment Cost

    Even if you've received a quote from another broker, we can help reduce your borrowing costs significantly. Please connect with one of our Experts.


  • 2. What savings can I expect on a property loan?

    For business loans secured against property, we provide extra savings on total costs:

    • Loans up to $1,000,000: Additional saving of 5% on Establishment Cost
    • Loans between $1,000,001 and $2,000,000: Additional saving of 7.5% on Establishment Cost
    • Loans above $2,000,001: Additional saving of 5% on Establishment Cost

    These savings are applied to fees such as establishment costs, legal fees, and more, reducing your overall borrowing expenses. Please connect with one of our Experts.


  • 3. Can I reduce costs even after receiving a quote from my broker?

    Yes! At Unitree Finance, we aim to lower your costs even if you've already received a quote from another broker. For example, on a property finance loan of $1,000,000, we can help reduce costs by an additional 5%. These savings are applied to fees such as establishment costs, legal fees, and more, reducing your overall borrowing expenses. Please connect with one of our Experts.

  • 4. When will I receive my Cashback?

    We pride ourselves on offering fast and flexible solutions. Once your loan is approved and disbursed, you can expect cashback within 7 Business Days from the date of disbursement.

Need more information? Contact us today, and our team will be happy to assist!

Ready to Get Started?

Apply online in under 60 seconds or book a free strategy session with one of our loan specialists. Let Unitree Finance help you secure the best-unsecured business loan in Australia—fast.