Unsecured Business Loans: Fast, Flexible Funding

One of the biggest myths in business finance?
That you need to put your house on the line just to get a loan.

Let’s clear that up right here right now. If your business is trading well and you need a quick boost, there are other fantastic solutions without offering property as security. That’s where unsecured business loans come in.

An unsecured business loan gives you access to funds, (usually between $10K and $200K) based on your business's performance, not your personal assets.

No mortgage. No property backing. Just funding based on:

• Trading history

• Turnover

• Bank statements

• Loan purpose

The loan is generally over 6–24 months, and repayments are either daily, weekly or monthly depending on the lender and what suits your cash flow.

EXAMPLE CLIENT:

Say you run a construction company turning over $1.2M a year.

You’ve just won a new contract but need $100K to pay for upfront materials and labour before the first invoice is due. You don’t have time to go to the bank and wait potentially 4 weeks for a reply.

An unsecured loan gives you:

• $100,000 in the bank (within 1–3 days)

• Repayments that align with your cash flow

• No need to wait for approval from your bank or mortgage broker

Is it Expensive? Yes compared to a secured loan it can be. But you’re paying for speed, flexibility and not tying up your house.