No property? No problem.
Business funding sized on your turnover, not your property
For Australian owners who rent, lease or would rather keep the house out of it. Unsecured options typically from $5,000 to $500,000, assessed on your bank statements and trading history by a real person.
- No credit check to enquire
- Not sprayed to lenders
- A real person on your file
No credit check to enquire
Asking what your turnover could support leaves your credit file untouched. A credit check only comes up if you choose to proceed.
Not sprayed to a pile of lenders
We don't auction your enquiry. One person reads it and matches it to the option that fits, so your file isn't hit by a dozen enquiries.
A real person on your file
A lending specialist calls you to talk it through. Answer the form accurately, and we can match you properly the first time.
Who we help
Built for owners without real estate behind them
Most business lending in Australia still leans on property. The Reserve Bank's October 2025 Bulletin found collateral requirements were the barrier small businesses reported most. If that's you, start with your situation.
Renting your home
Renting your home doesn't rule out business finance. How unsecured lenders size loans for renters on turnover and bank statements, and where the limits sit.
How it works for you →Leased premises
Most businesses lease their shop, office or shed. How commercial tenants get unsecured finance, what a lender asks about the lease, and what to avoid.
How it works for you →Keep the home out
You own a home but don't want it tied to the business. How to borrow without using your house as security, what that costs you in limits, and what to expect.
How it works for you →Equity already used
Owning property doesn't help if the equity is already borrowed. How owners with maxed-out equity fund the business on turnover, and the limits to expect.
How it works for you →Home-based & online
Run the business from home or online? How unsecured lenders read marketplace payouts, card settlements and home-office turnover, and what helps you qualify.
How it works for you →Sole traders
Sole trader without property? How unsecured lenders assess an ABN in your own name, why your personal credit matters more, and how to present income clearly.
How it works for you →First business loan
Applying for your first business loan with no property to offer? What unsecured lenders expect, typical first limits, and how to build a track record.
How it works for you →Unsecured, explained honestly
What unsecured can do, and where it stops
It can
- Fund trading businesses from about $5,000 to $500,000
- Be sized on turnover and bank statements, not property
- Move quickly: same-day funding is possible for smaller amounts
- Cover stock, wages, BAS, fit-outs, equipment and growth
It usually can't
- Stretch much beyond what your cash flow supports
- Offer the long terms of a property-secured loan
- Skip a director's guarantee in most cases
- Fix a business that's losing money every month
Knowing both sides upfront saves time. Read what "unsecured" still means and how turnover sets the limit.
Options
Ways to fund a business without property
Each one is sized and secured differently. Using the right one for each job keeps your unsecured capacity free for when you need it.
Unsecured business loans
How unsecured business loans work in Australia: sized on turnover, typically $5k to $500k, shorter terms, guarantees explained, and who they suit best.
Compare →Line of credit
An unsecured business line of credit gives you a limit to draw on, repay and reuse, with no property as security. How it's sized, costed and best used.
Compare →Invoice finance
Invoice finance advances cash against invoices your customers haven't paid yet. How it works without property, factoring vs discounting, and who it suits.
Compare →Merchant cash advance
A merchant cash advance gives upfront cash repaid as a share of future card takings. How it works without property, who it suits and what to ask.
Compare →Equipment finance
Equipment finance uses the vehicle, machine or gear you're buying as its own security, so no property is needed. How it works and what to check.
Compare →Working capital
Unsecured working capital funds the day-to-day gap between paying out and getting paid. How Australian businesses size it, choose a structure and avoid traps.
Compare →Outgrowing unsecured
Unsecured facilities have ceilings. The signs you're outgrowing them, what a property-secured loan changes, and how to decide without pressure.
Compare →What lenders check
Without property, your statements are the security
Here's what an unsecured assessor reads, and what you can improve before you apply.
How it works
One enquiry, one person, one well-matched answer
- 1
Tell us the basics
About 60 seconds: what the money is for, roughly how much, your turnover and time trading. No credit check.
- 2
A specialist reads it
A real person looks at your situation and calls you. Nothing is fired off to a list of lenders.
- 3
Honest options
What your turnover supports, which structure fits, and what each option asks of you, guarantees included.
- 4
Apply once, properly
Only when you decide to go ahead. We tell you exactly which documents are needed.
Before you know you need finance
Start with the problem, not the product
Guides
Plain-English guides for owners without property
The Funding Ladder: Growing a Business Without Property
Five rungs, in order, for owners who rent, lease or won't pledge the house.
Lumpy Bank Deposits? How to Explain Them to a Lender
Seasonal, project-based or one-big-client income, presented so it reads as a pattern rather than a problem.
BAS Set-Aside Plan: How Much to Put Away Each Week
A ten-minute weekly routine that turns BAS from a shock into a transfer.
Questions owners ask first
Can I get a business loan without property in Australia?
Yes. Unsecured business finance is sized on your turnover and business bank statements rather than property. Options for trading businesses typically range from $5,000 to $500,000, including unsecured loans, lines of credit, invoice finance, merchant cash advances and equipment finance.
How much can I borrow unsecured?
It depends mainly on average monthly revenue, time trading, existing repayments, account conduct and industry. Most unsecured facilities sit between $5,000 and $500,000. Our free borrowing estimator gives an indicative range from your own figures.
Does unsecured mean no guarantee?
Usually not. No property is pledged, but directors are commonly asked for a personal guarantee, and some lenders register a security interest over business assets. We explain exactly what any option asks of you before you sign.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up if you decide to go ahead with a specific application.
Will my details be sent to lots of lenders?
No. We don't sell or spray enquiries. A real person reads yours and matches it to the option most likely to fit, so your credit file isn't hit by a string of applications.
I rent my home. Does that count against me?
Not for unsecured finance. Renting means there's no property to lend against, so the assessment focuses on the business's cash flow, which is exactly what unsecured lending is built for.
How fast can unsecured funding happen?
Same-day funding is possible for smaller unsecured amounts when statements can be shared digitally and the file is straightforward. Larger or more complex requests take longer.
What if I own property but don't want to use it?
That's a common choice and we respect it. We'll work within unsecured options. If you ever need more and decide to use property, secured business loans run from $20,000 to $5,000,000.
Turnover is your security. Let's see what it unlocks.
Send a 60-second enquiry with accurate figures. There's no credit check to enquire, your details aren't passed around, and a real person calls you back with honest options.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file