Unsecured Business Loans
Brisbane

In The Next Few Hours, You Could 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. Request a quick approval and begin using the money in your company.

  • Could additional funds assist your business by allowing you to work capital or for the opportunity for growth?
  • How do you finance your business requirements?

What to expect:

  • Easy process to fill out and get approved and funds as soon as tomorrow
  • There is no option to remittances in the initial 4 weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3-36 months
  • Competitive interest rates
  • Minimal documentation needed

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

Business loans, particularly an unsecured business loan or line of credit to business financing require have no tense process. Business finance in the form of small business loans that have an interest rates and repayment schedule that will suit your company financial needs.
Business Lenders for Business Goals
I can now make coffee for my clients using the very best equipment.
Cafe Owner
I'm now able fund the renovation of our newly constructed Brisbane resturant without having to borrow cash from other resturants.
Brisbane Resturant Owner
I'm now able to hire an professional marketer to take my business to the next stage.
Growing Brisbane Business
I'm able get my tax back on track.
Small Business Owner
Business credit rates and repayment conditions, and flexible repayment options to fit what your company requirements.
Business Lending Options
I'm now able take a holiday knowing I am confident that my Brisbane business will run effortlessly.
Local Business Owner
A straightforward loan application process with a huge loan limit, with minimal credit criteria and there is no requirement to submit a business plan. Stop using your personal credit card and company credit cards in order to finance your company.
Unsecured Loans Made Simple
Unsecured Business Loan Service Provider

Fast Approval Process

Applying for business loans in Brisbane business loans within Brisbane with us is easy and takes only about a couple of minutes, there are no mountains of paperwork or queues.

Be approved and receive your funds within one to two business days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Brisbane companies of all sorts small, medium even soloprenuers to get access to quick funding so that they can make use of the loan to expand and grow.

  • It all starts with a simple online application, or phone call
  • Flexible terms for repayment to fit your company
  • Fast and prompt funding within a single day or two days
  • A team wanting you and your company to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

The criteria for eligibility for an unsecured business loan in Brisbane of between $5K to $100K are quite minimal.

  • A minimum of six months in business
  • At least $6,000 revenue per month
  • Be a New Zealand based company with a New Zealand Business Number (NZBN)
  • Passport or
  • Driver’s License to serve as identification proof
  • You should have an account with a New Zealand bank as your principal account for trading
  • Bank statements from the last six months

Are you looking for additional funding? Find out the conditions of eligibility for our $100K to $500K company financing.

Here's How Others Have Benefited

Examples of Business Loans

A business coach was seeking to invest in an well-being and beauty business. With just under twelve thousand dollars in monthly income the company borrowed $24K over 24 months. The loan was based on twelve months worth of statement and was done in only 8 hours.
Business Coach
A designer for interiors had seen an opportunity to increase the size of their business and required working capital to finance the expansion. With a monthly revenue of $300K they took out a loan of $250K for 24 months. The time to turn around for them was only 2 days, and all they needed to present the required documents were twelve months' bank statement IRD confirmation, as well as their trust deed.
Interior Designer
The proprietor of a small grocery store doing $70K a month borrowed $76K over a 24-month term , without making any repayments for the first four weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from the time of application until receiving the funds.
Grocery Store Small Business Loan
Following the purchase of a pizza store as well as two liquor stores 6-12 months prior, the new owners were seeking more funds. The overall revenue was $500k per month. They could borrow $300K, split out as $100K for each store using two different 24 and 36 months. No security over the owner's homes was required.
Owner of a Pizza Store & 2 Liquor Stores
With the busy Christmas time approaching, a clothing store required additional working capital to fund extra inventory and to take advantage of discounts from suppliers. They secured $20K over the course of 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 criteria to be eligible of larger Brisbane company loans of between $100K and $500K consist of:

  • A minimum of 3 years of business
  • A minimum of $700K annually in income
  • You must be a New Zealand based company with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • Make sure you have an account at a New Zealand bank as your main trading account
  • Bank statements from the previous 6 months
  • Some financial statements like Profit & Loss, and aged accounts Payable and Receivable

Are you looking for a lower amount of capital? Look over the eligibility requirements 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 ideal for nearly every company need. Get in touch with us today.

  • Renovate or expand the commercial space
  • Staff expansion for busy periods
  • Increase stock levels to meet demand
  • Make a brand new website or improve your marketing
  • Make sure you invest in new equipment, tools or technological advancements
  • Purchase extra stock to cover seasonal demand
  • Manage cash flow fluctuations
  • And many more …

Do you want to begin one of these options as early as tomorrow? Then get in touch with us or send your application online for the quickjest fasted way.

Quick application checklist

What do you need to apply

All that’s needed to get started is your contact information (the name of your company, your name, email, phone) and the amount you want to borrow, as well as your monthly income.

While in the process and before settlement we’ll need confirmation of your identity but not to get started:

  • Idenfication information (valid Driver’s Licence)
  • Business details including trading time, ownership details , and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

Once we’ve started with loans greater than $150,000 you’ll also need fundamental financial statements:

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.

Here's How Others Have Benefited

Examples of Business Loans

With the busy holiday season nearing, a clothing store needed working capital to buy more inventory and benefit from discounts offered by suppliers. They borrowed $20K over 12 months, with no collateral for their assets, and they had the money in just 24 hours.
Clothing Store
A gym that was going for nearly 3 years, was planning to expand and needed more equipment. With monthly revenue of $37K they borrowed $72K over a 24- month period. The loan was not secured for the loan and it was settled in 24 hours.
Gym
The owner of a modest grocery store that earned $70K per month borrowed $76K over a 24-month term , without making any repayments during the initial 4 weeks. The loan required 12 months of bank statements. The turn around time was 6 hours from application to getting the money.
Grocery Store Small Business Loan
Acquiring a pizza restaurant and two liquor stores six to 12 months earlier, the new owners were looking for additional cash. The revenue total was greater than $500K per month . The owners were able to obtain $300K, split out as $100K per store with an option of both 24 and 36 months. No security over the owners houses was required.
Owner of a Pizza Store & 2 Liquor Stores
A designer for interiors had seen an opportunity to grow their company and required working capital in order to finance this expansion. With monthly revenue of $300K they borrowed $250K in 24 months. Their turnaround time was only two days and all they needed to present the required documents were twelve months' bank statement along with IRD confirmation and their trust deed.
Interior Designer

The lending landscape has changed

With traditional and bank lenders restricting credit as well as the continuous stream of alternative and non-bank loan providers entering the market offers the perfect source to take advantage of.

Brisbane SME’s are now able to access finance through alternate lenders servicing Brisbane who are focused on facilitating company expansion or smoothing cash flow challenges. In the past individual credit providers (drawing equity from the house loan, or using credit cards, personal loans and credit cards) provided the most viable alternative funding services for Brisbane that were available.

There’s not a need for you to rely on the real estate market to secure business loans. With an unsecured loan, business financing is easy. Instead of a traditional term loan from the bank, business finance for a small company with interest rates and loan terms that aid with cash flow are available as business loan options.

High level summary

Separate personal and business debt

There are numerous benefits in separating personal from company debt.

  • Your home, or other investment properties, aren’t held for the purpose of accessing funds
  • It is the business has a more favourable position to build its own credit history
  • It is substantially more seamless when it comes to tax time
  • Companies can quickly view their cash flow, monitor and plan based on their ability to clearly examine their cash flow status

Limit your exposure, make your tax time easier, get started with an unsecure busines loan, apply today.

For those who like the detail

Separate personal and business debt

Risk

One big drawcard for keeping your individual and business assets separate will be the fact that your home does not have to be tied to the funds. If you’re looking for a small business loan within Brisbane up to $100K asset security won’t be needed as long as the borrower is able to meet the loan requirements.

Credit history

Businesses are in a more favourable long-term position if they can show good credit and debt serviceability.

Tax

A separation between personal and company financial accounts makes it more straightforward with regards to tax time - particularly when identifying what is the tax deductible allocation. Particularly when determining what is the tax deductible allocation. IRD has set out requirements for evidence for claiming deductions on an individual’s tax return. This is an area where the IRD has specifically advised on.

Cash flow

Effective management of cash flows is key for the long-term success that of any business. By keeping your personal finances and company finances separate, businesses can easily view how they are performing, monitor and plan on their ability to accurately evaluate their cash flow situation.

Simple loan application procedure with a large loan limit, with minimal requirements for credit, and no requirement to present a business plan. Do not use your personal credit card and company credit cards to fund your company.
Unsecured Loans Made Simple
I'm able to get my taxes back on time.
Small Business Owner
I'm now able to go on vacation knowing that it is safe knowing that Brisbane company will run without a hitch.
Local Business Owner
Business loans, particularly an unsecured unsecured business loan or line of credit for business financing require not be a stressfull procedure. Finance for a company in the shape of small business loans at an interest rate cost, and with a repayment time that is suitable for your company liquidity.
Business Lenders for Business Goals
Business loans with interest rates and repayment terms, as well as flexible repayment options to fit you business needs.
Business Lending Options
I'm now able to hire a marketing expert to boost my business to the next stage of business growth.
Growing Business
I'm now able to prepare espresso for clients with the very best equipment.
Cafe Owner
I can now fund the fitout of our new Brisbane resturant without having to borrow cash from other ones.
Brisbane Resturant Owner
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Details of The Brisbane Small Business Loans

Let me know what you think of the Brisbane Small Business Loans

Brisbane unsecured loans provides amounts between $5,000 and $100,000, with terms ranging from 3 and 24 month and cash flow friendly repayments which can be made daily or weekly.

What is how is the Unsecured Loan different from an ordinary business loan?

It is possible to apply to get this Small Business Loan in under 10 minutes on the internet or over the phone, receive an immediate response, and funds may be available in just 24 hours. Traditional company loans are based on an annual interest rate together with additional fees and charges. We offer a business loan is a loan that is priced upfront which means you be aware of the amount you will have to pay, including any fees, interest or charges. This is then divided into weekly or daily repayment figure.

What can be the Small Business Loan be used for?

It is a Small Business Loan can be used for nearly every business purpose including the management of cash flow, company remodeling, marketing for purchasing inventory or new equipment, or as general working capital and so much more. The loan cannot be used for personal reasons.

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 expansion opportunities. Loans range from $100,000 to $500,000 with a term fixed with a maximum of 36 months. Repayments are scheduled weekly or fortnightly depending on the flow of cash.

How’s the Origination Fee determined?

The Larger Business Loan has an Origination Fee, which is determined at 2.5 percent of the amount of the loan.

Do I qualify for the Larger Business Loan?

To be eligible for a credit that is this large the company needs to be operating for a minimum of 3 years with an annual turnover of $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) at least 18 years old, own a New Zealand company (with a valid NZBN/IRD) and be able demonstrate at least 12 months of trading.

What can I use the funding for?

A large business loan can be used for nearly any company reason, such as business remodeling, buying inventory or new equipment for general working capital and so much more. The loan cannot be used for personal use.

Is the Larger Business Loan one that requires security?

Asset security is required for accessing funds over $150,000. This is by way of charge against assets, and could be registered in the PPSR or making as a caveat.

A director’s or personal guarantee is a promise to pay back a loan that is generally in nature rather than specifying security over a particular asset. The person who signs the guarantee is personally accountable if the business creditor is unable to repay the debt.

The Personal Property Securities Register (PPSR) is an online central register operated by the New Zealand Government. It records security interests that have been registered in respect of personal property (including the assets or goods). The PPSR permits prioritisation over property that is personal to be assigned in accordance with the date on which a security interest was registered.

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

What is a pre-approval minus Credit Check?

If you’re seeking a Larger Business Loan of $250K or more, we may offer an initial pre-approval to smooth out the process. We may be able to make this decision without a credit check, and within 6 hours of your initial application. The pre-approval is based upon a preliminary assessment which includes the answer to a series of financial health questions. It’s not an offer or guarantee of funds. Unconditional approval is subject to an exhaustive credit evaluation, and any offer you might receive could have different terms.

The application process

Are I eligible for funding?

You may apply for an company loan if you

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

How do I apply?

The process for applying is fast and simple. Just fill out the online application within a few minutes and an experienced business lending specialist will call you to help you.

For a loan of up to $100,000, you’ll need proof of identity (valid Driver’s Licence) and an active NZBN/IRD, and at least six months of bank statements.

For larger loan sizes, you’ll need:

$100K-$250K: Details of application, including credit approval, 6-12 months of IRD statements, bank statements (if you have a loan of more than $150K).
$250K – $500K: Details for application including credit consent as well as 12 months bank statement, an IRD statements and the last two years’ finalised financial statements, as well as interim financials for the current financial year, Aged Payables and Aged Receivables summaries.

How quickly will I receive an answer?

For an unsecured loan ($5K and up) we usually offer an answer within an hour, provided you make your application in quality company timings and allow us to utilise the bank verification system link to immediately verify your bank account information online. If you decide to upload copies of your banking statements we can offer the decision in just the span of one company day.

If you are applying for a Larger Business Loan ($100K and up) we may be likely to provide the conditional pre-approval within about six hours. After you’ve signed the pre-approval document, you will require to wait approximately 2-3 days to receive final approval, however this may be quicker depending on the particular circumstances of each application. Certain offers have been approved within just 24 hours.

The quickest way to apply can be make sure you apply during normal company hours, and allow us to use the advance bank verification link to instantly verify your bank information online. If you upload documents from your account statements , it can take a bit longer.

How quickly will I receive the funds?

For the Small Business Loan ($5K or more) we can often provide an answer within one hour if you make your application within standard business hours and allow us to make use of the advanced bank verification system link to instantly verify your bank’s information online. If you opt to upload copies of your banking statements we can provide an answer in as little as the span of one business day.

If you are applying for Larger Business Loans ($100K and up) we may be able to provide you with conditional pre-approval within about six hours. Once you’ve signed your pre-approval document, you will require to wait approximately 2-3 days to receive final approval, however it could be faster based on the particular circumstances of each application. Some deals have been approved within 24 hours.

The most efficient method for you to apply is make sure you apply during standard business hours. You can also allow us to use our sophisticated bank verification link to instantly verify your bank account information online. If you send us copies of your bank accounts, it takes a bit longer.

How much can I borrow?

We offer loans ranging from $5,000 and $500,000. If you apply for a particular amount, we will consider a number of elements that determine how much we can lend you health of the business as well as the amount of payments your business will be able to support. The amount you receive from your loan will depend on the particular circumstances the company.

When you apply for a particular amount, we consider a variety of aspects to determine your well-being for your company and the level of repayments your business can support. The total amount of your loan will depend on the particulars of your business.

Fees & repayments

How much do you charge for a company loan?

If you decide to apply for our business loans, we’ll assess the risk assessment the company and offer you with a tailored proposal that includes loan amount, term and the interest rates. It is a company loan is an upfront priced loan and you’ll be aware in advance of the total amount due, which includes any costs, fees, or interest rates.

What is the factor that determines the price I pay?

Interest rates for company loans rates depend on a variety of factors including the amount of money borrowed, the company assets the funds will be used for, the industry the business is operating in, how long the business has been in operation, how long the business has sufficient cash flow to cover the loan, and the general health or creditworthiness of the company.

What are the charges?

There are no hidden fees with our business loans. You’ll know precisely what you be required to pay and at what time, from the very first day. There’s no compounding and no additional fees (as as long as you pay your payments on time).

We don’t charge an Application Fee. You can get a cash loan no cost upfront or the obligation to take action.

The Origination Fee covers the expenses involved in establishing and managing the loan. You are only charged this fee if you decide to take the loan. The Origination Fee for us is 2.5 percent of the amount of loan.

Can I pay off the loan in advance?

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

If you do decide to pursue this option, please talk to one of our helpful business credit professionals. They’ll offer you with details for repayment as well as an early payout amount. This is calculated as the total of the principal remaining plus any accrued interest as of the time of early payout in addition to 1.5% of the principal amount remaining plus any outstanding fees.

How do repayments work?

To help you avoid missing payment dates and to align with your cash flow routine, we provide repayments either daily or weekly. These are automatically deducted from the nominated business account.

Security & privacy

Will my information be protected?

Security of your data, and making it clear how we collect data, process, exchange and ensure the security of your information is of paramount importance and a vital 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 sensitive, personal as well as financial data. Our funders are ISO 27001 qualified for our commitment to security for our clients and privacy. We utilise a sophisticated bank verification system to instantly confirm your bank account information online. This allows us to offer an immediate response.

About business loans

What is asset-based borrowing (a secured loan)?

Asset-based borrowing occurs when a company owner utilises the assets they have to make the funds for a loan. The asset may be a personal asset like the family home or an business asset such as a vehicle or other piece of machinery.

The majority of lenders, even the banks with the biggest size, prefer to secure loans against an asset. If you are having difficulty paying back the loan then your asset may be taken over by the lender. In essence, it’s means of securing new funding making use of the value of what you already have.

Should I need security to secure a company loan?

Up to $150K in loans it is not necessary to secure assets before you are able to access the money However, we do require the personal guarantee. In the event that you fulfill your loan commitments (as detailed in your loan contract document) Asset security will never be required. For loans over $150,000 generally there is a personal guarantee and security in the form an asset charge.

Industries we currently aren't able to help with

  • Adult related industries
  • Auction houses & auction websites
  • Debt purchasers and debt collection agencies
  • Direct marketing including telemarketing, fundraising, mail order, direct-mail etc.
  • Finance lenders and institutions
  • {Firearm related businesses
  • Foreign currency exchange offerings
  • Customs clearing houses and freight forwarding
  • Anything gambling related
  • Non-profit organisationsincluding charities, churches etc
  • Smash repairers & panel beaters
  • Pawnbrokers & pawn shops
  • Property development
  • Stockbrokers, shares andinvesment businesses
  • Tattoo studios
  • Ride-sharing or taxi services
  • Ticket resellers & entertainment sales
  • Vehicle towing services
  • Used vehicle dealers
  • Automotive glass tinting
  • Automotive wrecking yards

We can’t assist with an unsecured business loan in the above industries, we might be able to assist you with the secured business loan.

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Brisbane Unsecured 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 931 895