About us
Funding for the owners property-based lending leaves out
We help Australian business owners who rent, lease or would rather keep the family home out of it find finance that's sized on how the business actually trades.
Who we help
Most business lending in Australia still starts with a question about property. For many owners, that's where the conversation ends: they rent their home, lease their premises, have already used their equity, or simply don't want the house tied to the business. We built Unsecured Business Lender for them.
That includes café and salon owners in leased shops, tradies working from a rented home, online sellers packing orders in a spare room, sole traders, growing companies with no real estate on the balance sheet, and homeowners who've drawn a firm line around the family home.
What we do
We match trading businesses with finance sized on turnover and bank statements: unsecured business loans, lines of credit, invoice finance, merchant cash advances and equipment finance. Unsecured options typically range from $5,000 to $500,000. For owners who do hold property and choose to use it, property-secured business loans from $20,000 to $5,000,000 are also available. Past credit issues and ATO debt are considered case by case. All lending is for business purposes only.
How we work
We're candid about limits. Unsecured money has a ceiling, shorter terms than property-secured lending, and usually a director's guarantee. We'd rather tell you that on the first call than have you find out at signing. We're equally specific about what improves an application, which is why this site includes a borrowing estimator, an approval readiness check and plain-English pages on what lenders check.
We don't publish interest rates. Every facility is priced on the business's own circumstances, and a headline rate rarely reflects what a particular business will be offered. We'll walk you through the real costs of any option before you commit.
Our promises
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.
We ask one thing in return: please fill in the enquiry form accurately. Real turnover, real trading time and every existing facility let us match you properly the first time, without wasted applications on your credit file.
Who operates this site
Unsecured Business Lender is operated by Techgen LLC Pty Ltd (ACN 696 942 391), trading as Unsecured Business Lender. Our office is at Level 19, 10 Eagle Street, Brisbane QLD 4000. You can reach us on 1300 752 188 or through our 60-second enquiry.
No property? Let's see what your turnover supports.
One short enquiry, no credit check to ask, and one specialist (not a crowd of lenders) who calls you back with options sized on your trading.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file