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Unsecured Business Loans

An Unsecured Business Loan is a loan that does not require any collateral. This type of loan is provided to business owners based on an assessment of cash flow and the borrower’s credit history, and typically offers shorter repayment terms than a secured business loan.

Unsecured Business Loans: Lending Criteria

Lending criteria may vary lender to lender, so we take the time to understand what your business needs. Our growing portfolio of traditional and alternative lenders ensures that we can find the right solution for all business types.

Current ABN or ACN

Minimum monthly turnover of $10,000

Trading for at least 6 months

Have good cashflow


Frequently Asked Questions

The most common uses for an unsecured business loan are:
  • Renovating or expanding
  • Buying equipment
  • Hiring new staff
  • Buying stock
  • Paying for advertising or marketing
We have a range of non-bank unsecured business lenders here in Australia and work with them to provide businesses a simple way to compare their terms and rates.
It’s often a longer process to obtain funding through traditional lending providers and you could end up needing to offer them a significant asset as collateral. At Perfect Capital we can connect you with a range of lenders who lend against the current businesses cash flow.
A Secured Business Loans require an asset used as collateral for your loan, whereas an Unsecured Business Loan doesn’t require security. By providing an asset, you are rewarded with lower interest rates and longer repayment terms, whereas an Unsecured Business Loan typically has higher rates and shorter terms.
Interest rates vary between different providers; the interest rate is also subject to your bank conduct and credit score.

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