Unsecured Business Loans
Brisbane

Today, You'll Have Everything You Need to Be Successful By ObtainingThe Help Of a Brisbane Business Loan

Unsecured Business Loans Brisbane

A Brisbane unsecured business loan is simple and quick in applying for. Get a quick apporval and start using the funds in your business.

  • Do you think that additional funds could help your company in working capital, or to realise the potential for growth?
  • What is the financing strategy you are using to fund your business requirements?

What to expect:

  • Simple process to apply and receive approval and the funds will be available as early as tomorrow
  • Optionally , no reayments during the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms ranging from 3 to 36 months
  • Competitive rates of interest rates
  • Minimal documentation needed

The conditions for eligibility for an unsecured business loan to be made in Brisbane are fairly minimal.

I'm now able employ an specialist marketer to increase the success of my business to the next step.
Growing Brisbane Business
I'm now able to finance the construction of our newly constructed Brisbane resturant without having to pull cash from the other restaurants.
Brisbane Resturant Owner
I'm able to get my tax back on time.
Small Business Owner
Business loans with interest rates and repayment terms as well as flexible repayment options to suit what your company requirements.
Business Lending Options
I am now able to take a holiday knowing my Brisbane business will run without a hitch.
Local Business Owner
Simple loan application procedure that comes with a high limit on borrowing, no requirements for credit and no requirement to submit a business plan. Do not use your personal credit card or company credit cards to finance your company.
Unsecured Loans Made Simple
I am now able to make espresso for clients with the very best equipment.
Cafe Owner
Business loans, especially an unsecured business loan or line of credit for business financing need have no stressful process. Business finance can be in the form in the form of small business loans with an interest rates and repayment period which is compatible with the requirements of your company cash flow.
Business Lenders for Business Goals
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for the business financing in Brisbane with us is simple and only takes about a couple of minutes, there are no lengthy forms or lines.

Be approved and receive your funds within 1-2 business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We want to assist Brisbane companies of all sorts small, medium even soloprenuers to get access to funds quickly so that they can make use of the loan to grow and build.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms to suit your business
  • Fast and prompt funding within a single day or two days
  • We want for you as well as your business to be successful
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The requirements for getting an unsecured business loan in Brisbane of between $5K and $100K are fairly minimal.

  • The minimum period of 6 months for which you must be in business
  • At least $6,000 in income per month
  • Be a New Zealand based business with a New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for proof of identity
  • You should have a New Zealand bank as your main trading account
  • Bank statements from the last six months

Looking for more funding? Take a look at the guidelines for eligibility for our $100K to $500K company credit.

Here's How Others Have Benefited

Examples of Business Loans

A gym that was operating for over three years wanted to grow and was in require of additional equipment. With a monthly income of $37K, they borrowed $72K over a 24 month period. The loan was not secured and the loan was ready to go in 24 hours.
Gym
When they purchased a pizza place and two liquor stores 6-12 months prior, the new owners needed additional cash. The total revenue of the two stores was more than $500K per month . The owners were able to borrow $300K and split it into $100K per store on an option of both 24 and 36 month terms. No security over the owners homes was needed.
Owner of a Pizza Store & 2 Liquor Stores
A plumber who's operated their business for three years and has $80K in monthly sales was looking for additional funding. They borrowed $153K over a 36 month term. All that was needed were 12 months' worth of statements and confirmation of the loan's status with IRD. The process was completed within an hour and the plumber was able to access their working capital available in their account soon afterward.
Plumber
A restaurant owner wanted to open another restaurant and required funds to renovation. The bank was not interested in helping. Typical monthly revenue for them was $50K. They were able to borrow $66K for 24 months. Turnaround was only 8 hours.
Restaurant Owner
The busy Christmas season was coming up, a store selling clothing required additional working capital to finance additional stock and take advantage of discounts offered by suppliers. They borrowed $20K over 12 months, with no security for assets and received the funds in 24 hours.
Clothing Store
Simple eligibility checklist

Larger Brisbane Business Loan Eligibility Criteria

The eligibility requirements to be eligible for larger Brisbane business loans of between $100K to $500K comprise:

  • A minimum of 3 years of business
  • At least $700K in annual revenue
  • Be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification proof
  • Make sure you have a New Zealand bank as your main trading account
  • Bank statements from the last six months
  • Some financial statements such and Profit & Loss and the Aged Accounts Payable and Receivable

Do you require a smaller amount of funding? Check out the guidelines for eligibility for our $5K-$100K Brisbane unsecured business loans.

Business Lending for a Cash Injection

What do you want to use the business loan in Brisbane for?

A Brisbane unsecured loan is great for almost any business use. Call us now.

  • Remodel or expand the commercial space
  • Hire more staff for busy times
  • Boost stock quantities to meet the demand
  • Develop a new website, or enhance your marketing
  • Put money into new equipment, tools , or technological advancements
  • Purchase extra stock to cover seasonal demand
  • Control cash flow fluctuations
  • Plus many more …

Are you looking to start one of these idea as quickly as tomorrow? Then get in touch with us now or apply online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All you need to get started is your contact information (the name of your company, your name, email address or phone number) as well as the amount you’d like to borrow, and your monthly income.

Through the process and before settlement we will need confirmation of who you are, but not to get started:

  • Information on Idenfication (valid Driver’s License)
  • Information about the business, including details on trading hours, ownership details and the NZBN (New Zealand Business Number)

Additionally after we get started with loans that exceed $150,000, you will also require the following financial statements:

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started now.

Here's How Others Have Benefited

Examples of Business Loans

A gym that was operating for over three years, was planning to expand and required additional equipment. With an average monthly revenue of $37K they borrowed $72K over a month period. No security was needed to secure the loan. It was compelted in the span of 24 hours.
Gym
A plumber who has had business for three years with monthly sales of $80K was looking for more funding. They were able to borrow $153K over a 36 month term. All that was needed was 12 months of bank statements and confirmation of their status with IRD. The procedure was completed within just a few hours and the plumber was able to access their working capital available in their account shortly thereafter.
Plumber
A business coach was seeking to invest in a well-being and cosmetics company. With just over $12K in monthly revenues the company borrowed $24K over 24 months. The loan required 12-month bank statement and was done in 8 hours.
Business Coach
When they purchased a pizza restaurant and two liquor stores 6-12 months prior, the new owners were looking for additional funds. The overall revenue was $500K per month and they were able to borrow $300K and split it into $100K for each store, with an option of both 24 and 36 months. No security over the owner's houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
With the busy Christmas season coming up, a store selling clothing required working capital in order to purchase more inventory and to take advantage of a supplier discount. They borrowed $20K over 12 months with no security for assets and received the funds in less than 24 hours.
Clothing Store

The lending landscape has changed

With banks and traditional lenders restricting credit as well as the continuous stream of alternative and non-bank loan providers that are entering the market provides a great resource to access.

Brisbane SME’s are now being able to get finance from alternative lenders that service Brisbane who are focused on facilitating company growth or smoothing out cash flow issues. In the past, when private credit options (drawing equity from a house loan, or using credit cards and personal loans as well as overdrafts) was the sole alternative financing services in Brisbane that were available.

There is now there is no requirement to depend on the real estate market to secure business lending. With an unsecured loan business financing is easy. Instead of a term loan through the bank, business finance for a small business with interest rates and loan terms that can help in cash flow are around as business loans.

High level summary

Separate personal and business debt

There are many advantages associated with separating personal and business debt.

  • Your home or other investment properties, aren’t held in order to access funds
  • This company has a more favourable position to establish its own credit history
  • It’s significantly more seamless for tax time
  • Businesses can easily view, monitor and plan based on being able to easily assess their cash flow position

Lower your risks, and make tax times much easier. Get started with an unsecure loan for business. Apply today.

For those who like the detail

Separate personal and business debt

Risk

One major benefit of keeping your business and personal business assets apart is that your house isn’t tied to the funds. For a modest business loan in Brisbane up to $100K asset security won’t be required as long as the borrower meets their loan obligations.

Credit history

Companies will be in a advantageous long-term situation if they have a good credit or debt capability.

Tax

It is important to separate personal from company finances makes it significantly more straightforward in the event of tax time - particularly when determining the tax-deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has laid out guidelines on the proof required to be able to claim deductions on an individual’s tax return. This is an area that the IRD has specifically advised on.

Cash flow

A well-organised cash flow management system is essential to the longevity of any business. Through keeping the personal financial and company finances separate, businesses can easily view, monitor and plan based on their ability to accurately determine their cash flow status.

Business loans, particularly an unsecured unsecured business loan or line of credit for business financing require to not become a tense procedure. Business finance in the form in the form of small business loans at an interest rates and repayment period which is compatible with the requirements of your company liquidity.
Business Lenders for Business Goals
An easy loan application process with a large amount of borrowing capacity, a low requirements for credit and no need to create a business plan. Do not use your personal credit card or business credit cards to fund your business.
Unsecured Loans Made Simple
I'm now able hire an expert marketer to help me take my company to the next stage of business growth.
Growing Business
I am now able to take time off knowing that I am confident that my Brisbane business will run without a hitch.
Local Business Owner
I am now able to fund the fitout of our modern Brisbane resturant without having to pull cash from the other ones.
Brisbane Resturant Owner
Business loans with interest rates and repayment terms as well as flexible repayment options to suit the needs of your business requirements.
Business Lending Options
I'm now able to prepare coffee for my clients using the best equipment.
Cafe Owner
I'm able to get my taxes back on time.
Small Business Owner
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Details of The Brisbane Small Business Loans

Let me know more about Brisbane Small Business Loans

Brisbane unsecured loans offers the range of $5,000 to $100,000, with terms ranging from 3 and 24 month and cash flow-friendly repayments, which are either daily or weekly.

How is how is the Unsecured Loan different from an traditional company loan?

Apply to get your Small Business Loan in under 10 minutes via the internet or on the phone. You’ll receive a same day response and the money could be on your account within 24 hours. Traditional company loans refer to an annual interest rate as well as other fees and charges. The business loan is an upfront priced loan therefore you’ll be aware of the total amount to be paid, including any fees, interest or charges. Then, it is divided into weekly or daily amount to be paid back.

What can the Small Business Loan be used for?

A Small Business Loan can be used for nearly every business need, such as the management of cash flow, business renovations, marketing, to purchase inventory or new equipment, for general working capital, and much more. The loan cannot be used to fund personal expenses.

Concerning Larger Brisbane Business Loans

What is the Larger Brisbane Business Loan?

The Larger Business Loan is a larger size loan to aid in company growth opportunities. Loans range from $100,000 to $500,000 with a fixed-term with a maximum of 36 months. Repayments are either weekly or fortnightly in order to accommodate your situation.

How’s the Origination Fee determined?

A Larger Business Loan has an Origination Fee which is calculated at 2.5% of the loan amount.

Do I qualify for the Larger Business Loan?

To be eligible for a loan that is this large, your business needs to have been operating for a minimum of 3 years and generate an annual revenue of $700K. Your company must belong to a New Zealand Citizen (or Permanent Resident) at least 18 years old and have a New Zealand business (with a valid NZBN/IRD) and be able demonstrate at the least 12 months of operating.

How can the funds be utilised?

A large company loan can be used to fund almost any company need, including company renovations, to purchase equipment or inventory or as general working capital and much more. The loan cannot be used for personal reasons.

Is the Larger Business Loan one that requires security?

Asset security is required for accessing funds over $150,000. This is in the form of a charge against assets, and could include registering this on the PPSR or the registration of as a caveat.

A director’s or personal guarantee is a promise to pay back a loan that is general in nature rather than specifying security over a particular asset. The person who is signing the guarantee is personally accountable if the business the borrower fails to re-pay the debt.

The Personal Property Securities Register (PPSR) is an online, central register run by the New Zealand Government. It lists security interests that are registered in respect of personal property (including goods or assets). The PPSR grants priority over personal property to be granted in accordance with the date on which a registration of a security interest.

The caveat can be described as a formal document filed to offer the public notice of a legal claim to property.

What exactly is a preapproval without Credit Check?

If you’re applying for a Larger Business Loan of $250,000 or more, we may offer an initial pre-approval that will help smooth out the process. We might be able to get this done without a credit verification and within six hours of your initial application. This pre-approval is based on an initial assessment that includes answering a couple of financial health questions. It is in no way an offer, nor is it a guarantee of credit. Unconditional approval is subject to an extensive credit evaluation and any offer that you receive could have different conditions.

The application process

Can I be eligible for funding?

You may be eligible for a company loan if you

  • are a New Zealand Citizen (or Permanent Resident)
  • are over 18 years, own a New Zealand company (with a valid NZBN/IRD)
  • you must prove at least 6 months of trading (for a unsecured loan $5K – $100K) or three years of trading (for the Larger Business Loan $100K to $500K)

How do I apply?

The application process is quick and easy. Complete the online form in just a few minutes, and an experienced business expert in lending will contact you to help you.

To be eligible for up to $100,000 you’ll need the right identification documents (valid Driver’s Licence) along with an NZBN/IRD that is valid and at least 6 months’ worth of bank statements.

If you’re looking for loans with larger sizes, you’ll require:

$100K to $250K: Details of application, including credit consent, 6 – 12 months of bank statements, IRD statement (if credit is over $150K).
$250K-$500K: Details for application including credit consent as well as 12 months of bank records, IRD statements, last 2 years finalised financial statements, and interim current financial year financials, Aged Payables and Aged Receivables Summary.

What speed will I be able to get a decision?

For an unsecured loan ($5K up to $100,000) we can often provide an answer in just one hour, provided you submit your request in quality company times and you allow us to utilise the bank verification system to instantly verify your bank information online. If you opt to upload copies of your banking statements , we’ll be able to provide a decision in just the span of one company day.

For Larger Business Loans ($100K to $500K) we might be likely to offer you with pre-approval conditional to your application in around 6 hours. After you’ve signed the pre-approval form, it will take about 2-3 days for final approval. However, this can be quicker based on the specifics of each application. Certain transactions have received approval within the space of 24 hours.

The quickest way to apply would be to ensure you apply during normal business hours. You can also let us use the advanced bank verification system link to instantly check your bank’s information online. If you choose to send us the copies of bank statements , it can take a bit longer.

How fast will I get the cash?

For the Small Business Loan ($5K to $100K) we typically offer a response in one hour, provided you apply within normal business timings and permit us to utilise the advanced bank verification system to instantly verify your bank details online. If you decide to upload copies of your banking statements, we are able to offer the decision within one business day.

If you are applying for Larger Business Loans ($100K up to $500,000) we could be likely to provide you with pre-approval conditional to your application within six hours. After you’ve signed the pre-approval document, you will require to wait around 2-3 days for final approval, however it could be faster based on the circumstances of each application. Certain offers have been approved within just 24 hours.

The most effective method is to ensure you apply during normal business hours. Also, allow us to use our advance bank verification link to verify your bank account information online. If you decide to send us documents from your account statements it will take a little longer.

What’s the minimum amount I can borrow?

We provide loan amounts between $5,000 to $500,000. When you make an application for a specific amount we look at a variety of aspects in order to assess how much we can lend you well-being of your business as well as the amount of repayments your business will be able to support. The amount you receive from your loan will depend on the specifics of your business.

When you submit an application for a specific amount we consider a variety of variables to determine your well-being of your company and the level of repayments your company can support. The amount you receive from your loan will be determined by the specifics the business.

Fees & repayments

How much do you charge for a business loan?

When you request the business loan, we will assess the risk profile that you have for your business and provide you with a customised offer that includes the amount of loan, the term and interest rates. A company loan is an upfront priced loan which means you know in advance the total amount to be paid, including any charges, interest rates or fees.

What is the factor that determines the price I’m charged?

Interest rates for business loans rates differ based on various variables like the amount to be borrowed, what business assets the funds will be used for in addition to the industry that the business operates in, the long the business has been in operation for, in the event that the company has sufficient cash flow to fund the loan, and general health or creditworthiness of the business.

What are the costs?

There are no hidden costs with our company loans, and you’ll know exactly how much it is that you be required to pay and when, from the first day. There’s not any compounding interest and there are no additional charges (as as long as you pay your payments in time).

We do not charge an Application Fee. You can request a credit loan no cost upfront or commitment to apply.

The Origination Fee includes the expenses associated in establishing and managing the loan. The only way to pay this fee if you decide to take the loan. The Origination Fee for us is 2.5 percent of the loan amount.

Can I repay the loan in advance?

You can choose to repay all of your loan at any point in time.

If you are deciding to do this please speak to our friendly business loans specialists. The professionals will offer you with repayment details as well as an early payout amount. The figure will be calculated as the total of the principal amount remaining and the accrued interest up to the time of early payout plus 1.5 percent of the principal remaining as well as any outstanding fees.

What is the process for repayments?

To ensure you do not miss payment dates and to align your cash flow schedule, we offer repayments that are either daily or weekly. They will be automatically deducted from your designated company account.

Security & privacy

Will my data be secure?

Security of your data, and being upfront about how we collect information, use it, and exchange it, as well as secure your information, is crucial and is a crucial part of our relationship with you.

Is it safe to link my bank account to the platform?

Yes. We utilise industry-recognised encryption standards to protect your personal, sensitive financial information and our funders are ISO 27001 certified for our commitment to the security of our customers as well as their security. We employ a highly sophisticated bank verification system to instantly confirm your bank account information online to offer a fast response.

About business loans

What exactly is an asset-based loan (a secured loan)?

The term "asset-based" refers to borrowing where a business owner makes use of an asset that they own to obtain the funding. The asset can be either an individual asset, such as the family home, or it could be a business asset such as a vehicle or piece of equipment.

The majority of lending institutions, including the banks with the biggest size, prefer to guarantee loans against assets. If you’re having trouble paying back the loan, then your asset may be transferred to the lender. In essence it’s means of securing additional financing taking advantage of the value of what you already own.

Should I need security to get a company loan?

For loans of up to $150K, no asset security is required in advance to gain access to the funds however, we do require a personal guarantee. So long as you comply with the terms of your loan (as specified in the loan contract) Asset security is not required. For loans over $150K generally, there is personal guarantee and security is provided in the form of charges on assets.

Industries we currently aren't able to help with

  • Adult related industries
  • Auction websites and auction houses
  • Debt purchasers and debt collection firms
  • Direct marketing including telemarketing, fundraising, mail order, direct-mail etc
  • Finance institutions & lenders
  • {Firearm businesses
  • Foreign currency exchange solutions
  • Customs clearing houses and freight forwarding
  • Gambling related industries
  • Non-profit organisations such as charities and churches etc.
  • Smash repairers and panel beaters
  • Pawnbrokers and pawn shops
  • Property development
  • Investment business, shares & stockbrokers
  • Tattoo palours
  • Ride sharing & taxi services
  • Ticket resellers or entertainment sales
  • Vehicle towing services
  • Secondhand vehicle companies
  • Automotive glass tintingservices
  • Automotive wrecking yards

Although we cannot assist with an unsecured business loan for those industries, we might be able to assist by providing the secured business loan.

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Brisbane Business Loans Services

Unsecured Business Loans

Unsecured Business Loans

Eligibility Requirements

Eligibility Requirements

Apply Now

Apply Now

Contact Us

Contact Us

Contact Us

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1300 931 836