top of page

Unsecured Business Loans Australia – Fast Capital Without Property Security

Need working capital without tying up real estate? At Innovate Funding, we provide flexible, fast unsecured business loans from $50K to $500K, designed for businesses that need capital based on trading performance not asset backing.

​

Whether you're managing cash flow, seizing a growth opportunity, or dealing with unexpected expenses, we help you move quickly with same-day approvals and simplified documentation.

​

What Is an Unsecured Loan?

An unsecured loan is a business loan that does not require you to offer property as collateral. Instead, approval is based on the strength of your business cash flow, turnover, and credit profile. These loans are suitable for established businesses looking to access funds without risking ownership of physical assets.

Common Use Cases for Unsecured Business Loans

Unsecured loans are a great fit for businesses that are profitable but don't want to encumber property or can’t offer traditional security:

  • Cash Flow Gaps – Pay staff, suppliers or ATO obligations

  • Marketing & Growth – Launch campaigns or expand operations

  • Inventory & Equipment – Buy stock or business-critical tools

  • Bridge to Larger Facility – Temporary finance while arranging long-term funding

  • Emergency Costs – Cover short-notice expenses

​

Who Can Apply?

We work with a broad range of Australian businesses, including:

  • Companies with at least 6 months trading history

  • Businesses with $200K+ annual turnover

  • ABN holders with valid business purpose

  • No recent bankruptcies or defaults (conditions may vary)

If you have stronger revenue but no assets, unsecured finance may be your best solution.

​

Real Loan Scenario

$150K Working Capital – NSW Retailer
A multi-site e-commerce business needed funds for a seasonal ad campaign. Approved based on monthly revenue and repaid over 9 months. No security required.

​

$300K Equipment Purchase – QLD Construction
Established contractor purchased heavy machinery for a new project. Approval based on 12 months' BAS statements. Settled in 2 business days.

​

How the Process Works

  • Initial Assessment – We review your revenue, cash flow and funding needs

  • Indicative Terms – Get an obligation-free quote

  • Fast Approval – Submit simple documentation (bank statements, BAS, etc.)

  • Funding – Receive cash to your business account in as little as 24–48 hours (pending documentation)

​

FAQs – Unsecured Loans

Is a credit check required?
Yes, but your business performance is more important than a perfect score.

​

Can I use this for personal use?
No. All unsecured loans must be for valid business or commercial purposes.

​

Is this a line of credit?
No, these are term loans with fixed repayments. Line of credit products may be available on request.

​

How are repayments made?
Daily or weekly direct debits, depending on lender and facility type.​

​

Apply for an Unsecured Loan Today

If you need fast capital without the burden of securing property, an unsecured loan from Innovate Funding may be the right solution. We help you focus on growing your business — not paperwork.

📞 Call 02 8919 3639 or enquire online to get started today.

bottom of page