Loan types
Unsecured business finance options
Unsecured loans, lines of credit, invoice finance, merchant cash advances and equipment finance: how each one is sized, repaid and secured, in plain English.
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.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →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.
Read more →Outgrowing unsecured
Unsecured facilities have ceilings. The signs you're outgrowing them, what a property-secured loan changes, and how to decide without pressure.
Read more →Want a number before you read further?
The free estimator turns your monthly revenue, trading time and existing debts into an indicative unsecured range.
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