Compare unsecured business loans from our lender panel

Any genuine business purpose: stock, equipment, hiring, marketing, premises costs, a tax bill, or bridging a gap between money going out and money coming in. Lenders do ask what it is for, and a clear answer helps your application. What it cannot be used for is personal or household spending. We arrange business-purpose finance only.

That boundary is not a formality. Personal and household lending is consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth), which is a different regime with different protections and different licensing. It is not what we do and it is not what these lenders offer. If the money is for you rather than for the business, this is the wrong page and we are the wrong firm.

We can only answer for our step, so that is what we will answer. Once you give us a complete picture and the documents, we can get your file in front of matched lenders quickly, because there is no valuation and no title work to wait on. The decision, and the funding, belong to the lender.

That is not evasion, it is the honest shape of it. Anyone who promises you a decision time is promising you a decision that is not theirs to make. What genuinely moves speed is on your side of the table: complete bank statements, a clear explanation of what the money is for, and anything awkward on the file disclosed up front rather than discovered at assessment. An incomplete file is the most common reason a "fast" product turns slow.

Almost always, yes. Directors' personal guarantees are standard for unsecured business lending in Australia, and lenders commonly register a general security agreement (GSA) over the business as well, particularly on larger amounts. "Unsecured" means no specific asset is pledged. It does not mean no accountability.

A personal guarantee means that if the business cannot repay, the lender can pursue you personally for the debt. Your home is not pledged to the loan and cannot simply be taken the way a mortgagee can, but a guarantee is a real obligation, and a judgment debt can eventually reach personal assets. If a guarantee is the sticking point, say so early: it changes which lenders are worth approaching, and it is a conversation worth having before an application, not after.

Often, yes, but it depends on the whole file, not a single blemish. A default from a few years ago or a rough quarter is something lenders assess, not something that automatically ends the conversation. Lenders weigh credit history differently: some treat it as close to a gate, others weigh recent trading more heavily, and specialist lenders exist for exactly this reason.

What we cannot do is promise an outcome. No legitimate lender guarantees approval, and a broker promising one is promising something they do not control. What genuinely helps is telling us up front, so we can take your file to the lenders whose appetite fits it rather than burning approaches on the ones it does not. For the full picture across every product, not just unsecured, see bad credit business loans.

There is no fixed answer, because there is no single lender. The amount and the term are set by the lender on your file, driven mainly by your revenue, how consistent it is, how long you have traded and your credit history. We are a broker, not a lender: we do not set the amount, the rate or the term.

What we can do is compare what the panel would actually offer your business and put the options side by side, so you are deciding with real figures rather than a headline. Tell us your position once and we will come back with what fits.