Unsecured Business Loans
Brisbane

If You Do This Today, You'll Be All Set For Success With a Brisbane Business Loan

Unsecured Business Loans Brisbane

A Brisbane unsecured business loan is quick and simple to apply for. Approve your loan in a matter of minutes and start using the funds to grow your company.

  • Do you think that additional funds could help your company with working capital or to take advantage of a growth opportunity?
  • How do you finance your business needs?

What you can expect:

  • It’s easy to apply and be approved for the funds will be available as early as tomorrow
  • Optionally , no reayments during the initial 4 weeks
  • Borrow from $5k to $500K
  • Terms from 3 to 36 months
  • Competitive interest rates
  • Minimal documentation required

The conditions for eligibility for an unsecured business loan within Brisbane are fairly minimal.

Business loans with interest rates and repayment terms, as well as flexible repayment options that can be tailored to what your business needs.
Business Lending Options
Simple loan application procedure with a generous loan limit, with minimal requirements for credit, and there is no need to create a business plan. You no longer need to use your personal credit card or business credit cards to fund your company.
Unsecured Loans Made Simple
Business loans, in particular an unsecured business loan or line of credit for business funding need never be an stressful procedure. Business finance in the form of small business loans that have an interest rates and repayment term that will suit the requirements of your company financial needs.
Business Lenders for Business Goals
I am now able to fund the construction of our fresh Brisbane resturant without having draw cash from other resturants.
Brisbane Resturant Owner
I'm able to get my taxes back on track.
Small Business Owner
I'm now able make coffee for my customers using the best equipment.
Cafe Owner
I can now hire an experienced marketer to help me boost my business to the next level.
Growing Brisbane Business
I am now able to take time off knowing that the Brisbane company will run smoothly.
Local Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Requesting a company credit for business in Brisbane with us is simple and only takes less than a minute, with no long lines of paperwork or waiting in line.

Approved and receive funds in 1 to 2 company 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 kinds, including medium, small and even solopreneurs to access funds quickly so that they can utilise the loan to expand and grow.

  • It begins with an easy online application, or phone call
  • Flexible repayment terms to suit your company
  • Fast cash in just a day or two
  • A team of people who want both you and your business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

  • The minimum period of 6 months for which you must be 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 Licence for proof of identity
  • Have a New Zealand bank as your principal account for trading
  • Bank statements from the previous 6 months

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

Here's How Others Have Benefited

Examples of Business Loans

The busy Christmas season was coming up, a store selling clothing required additional working capital to buy more inventory and to take advantage of a supplier discount. They took out a loan of $20K over a period of 12 months with no security of assets required. They received the money in just 24 hours.
Clothing Store
A business coach was looking to invest in a well-being and beauty business. With just over twelve thousand dollars in monthly income, they borrowed $24K over 24 months. The loan was based on 12 months of bank statement and was done in 8 hours.
Business Coach
The owner of a restaurant wanted to open a second location and needed money to fund the remodel. Their bank was not willing to help. The average monthly income for them was $50K. They were able borrow $66K over the course of 24 months. It took only 8 hours to get access to the funds.
Restaurant Owner
A plumber who's been in business for 3 years, with the monthly revenue of $80K was in search of additional funds. They borrowed $153K over the course of 36 months. All they needed was 12 months of bank statements and confirmation of the status with IRD. The process was complete within one day, and the plumber received their additional working capital in ther account shortly thereafter.
Plumber
After purchasing a pizza place and two liquor stores 6-12 months prior, the new owners needed more funds. The revenue total was greater than 500K per month. They were able to obtain $300K. This was then split as $100K per store on two different 24 and 36 months. No security over the owners houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
Simple eligibility checklist

Larger Brisbane Business Loan Eligibility Criteria

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

  • Minimum of 3 year’s experience in business
  • At least $700K in annual income
  • You must be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Passport or Driver’s License for identification
  • Make sure you have a New Zealand bank as your principal trading account
  • Bank statements from the previous six months
  • Certain financial statements, such as Profit & Loss, and aged accounts Payable and Receivable

Do you require a smaller amount of funds? Look over the eligibility requirements for our $5K to $100K Brisbane unsecured company 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 almost any company purpose. Talk to us today.

  • Expand or renovate commercial properties
  • Grow the team for busy periods
  • Grow stock levels to keep pace with demand
  • Create a new site or increase your marketing
  • Put money into new equipment, tools , or new technologies
  • Make sure you have extra stock on hand to meet seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Do you want to begin one of these idea as quickly as tomorrow? So, contact us or apply online now for the quickjest fasted way.

Quick application checklist

What do you need to apply

All you need to start is your contact information (the name of your company, your name, email or phone number), how much you’d like to lend, and your monthly income.

While in the process and before settlement we will require confirmation of who you are, but not to get started:

  • Idenfication details (valid Driver’s Licence)
  • Information about the company, including details on trading hours, ownership details , and details of ownership and trading time, as well as NZBN (New Zealand Business Number)

In addition, once we have started with loans greater than $150,000 you’ll also need basic financial statements.

  • P&L statement
  • Aged payables
  • Aged receivables

Let’s get started.

Here's How Others Have Benefited

Examples of Business Loans

After purchasing a pizza place and two liquor stores six to 12 months earlier, the new owners needed additional funds. The revenue total was greater than $500K per month . The owners were able to borrow $300K. This was then split as $100K for each store, with two different 24 and 36 months. There was no security on the owners' homes was required.
Owner of a Pizza Store & 2 Liquor Stores
A restaurant owner was wanting to open a second restaurant and needed money to fund the renovation. Their bank was not willing to help. Typical monthly revenue for them was $50K. They were able to get a loan of $66K in 24 months. Turnaround was only 8 hours.
Restaurant Owner
An interior designer saw an opportunity to increase the size of their business and required working capital to finance the growth. With an annual revenue of $300K they borrowed $250K in 24 months. Turnaround time for them was just two days, and all they had for them to present was 12 months of bank statement along with IRD confirmation and trust deed.
Interior Designer
With the busy Christmas season approaching, a clothing store required additional working capital to fund extra stock and also benefit from discounts from suppliers. They secured $20K over the course of 12 months with no security of assets required. They received the funds in less than 24 hours.
Clothing Store
A company coach was looking to invest in an health and cosmetics business. With a little over 12K in revenue per month the company borrowed $24K over 24 months. The loan was based on the submission of 12 months' bank statements and was done in only 8 hours.
Business Coach

The lending landscape has changed

With traditional lenders and banks restricting credit as well as the continuous stream of alternative and non-bank loan providers that are entering the market provides an incredible source to take advantage of.

Brisbane SME’s are now being able to get finance from alternate lenders servicing Brisbane who are focused on enabling business growth or smoothing cash flow challenges. In the past, when private credit options (drawing equity from a house loan or credit cards and personal loans as well as loans) was the sole alternative funding solutions for Brisbane that were available.

There is now not a need to depend on real estate to secure business loans. With an unsecured loan, business financing is easy. Instead of a loan for a term with banks, business finance for a small company with interest rates and loan terms that aid with cash flow is around as business loan options.

High level summary

Separate personal and business debt

There are many benefits with separating personal and company debt.

  • Your home, or other investments, aren’t tied up to allow access to funds
  • The business has a more favourable position to build its own credit history
  • It’s significantly more straightforward during tax time
  • Businesses can easily view, monitor and plan based on being able to easily assess their cash flow position

Lower your risks, make the tax process easier, get started with an unsecure business loan. Apply today.

For those who like the detail

Separate personal and business debt

Risk

One big drawcard for keeping your personal and business assets separate is that your home isn’t required to be tied to allow access to the funds. For a modest business loan within Brisbane up to $100K, asset security will not be required so long as the borrower is able to meet their loan obligations.

Credit history

Businesses will be in a stable long-term position when they can demonstrate good credit/debt ability to service.

Tax

A separation between personal and business finances makes it more seamless when it comes to tax time - particularly when determining what is the tax-deductible amount. The IRD has outlined the rules on the evidence required to be able to claim deductions on a company’s tax return. This is an area where the IRD has advised specifically on.

Cash flow

Effective cash flow management is key for the long-term survival that of any company. Through keeping personal and business finances distinct, companies can easily view how they are performing, monitor and plan on the ability to effectively determine their cash flow status.

Business loans, specifically one that is an unsecured business loan or line of credit for business financing require have no tense process. Finance for a company in the shape of small business loans at an interest rate and repayment period that is suitable for your company cash flow.
Business Lenders for Business Goals
I'm now able fund the fitout of our fresh Brisbane resturant without having to take cash from other restaurants.
Brisbane Resturant Owner
I'm now able hire an expert marketer to increase the success of my business to the next level of business growth.
Growing Business
I am now able to take an extended vacation knowing that the Brisbane company will run without a hitch.
Local Business Owner
A seamless loan application process with a huge limit on borrowing, no credit criteria and no requirement to create a business plan. You no longer need to use your personal credit card and company credit cards to finance your company.
Unsecured Loans Made Simple
Business loan interest rates and repayment conditions, and flexible repayment options to meet what your company needs.
Business Lending Options
I'm now able to prepare beverages for customers with the best equipment.
Cafe Owner
I'm able to get my taxes back to keep me on track.
Small Business Owner
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Information About The Brisbane Small Business Loans

Tell me more about Brisbane Small Business Loans

Brisbane unsecured loans offers the range of $5,000 to $100,000 with terms between 3 and 24 month and cash flow-friendly repayments that are either per day or weekly.

What is what makes the Unsecured Loan different from an ordinary company loan?

You can apply for the Small Business Loan in under 10 minutes by phone. You will receive a same day response and the funds could be in your account in 24 hours. Traditional business loans are based on an annual rate of interest as well as other fees and charges. Our business loan is a pre-paid loan so you will be aware in advance of the amount you will have to pay, including any interest, fees or charges. Then, it is broken down into weekly or daily installment amount.

What can the Small Business Loan be used for?

A Small Business Loan can be used to fulfill almost any company purpose including managing cash flows, company remodels and marketing, to purchase inventory or new equipment, for general working capital and much more. The loan cannot be used for personal purposes.

About larger Brisbane Business Loans

What is the Larger Brisbane Business Loan?

The Larger Business Loan is a larger loan size to support company growth opportunities. The loan ranges from $100,000 to $500,000 over a fixed term that can last up to 36 months. Repayments are weekly or fortnightly, depending on the flow of cash.

How’s the Origination Fee calculated?

The Larger Business Loan has an Origination Fee that is determined at 2.5% of the amount of the loan.

Do I qualify for the Larger Business Loan?

In order to be eligible for a loan in this amount the company needs to have been in operation for at least 3 years and have an annual turnover of at least $700K. It is necessary to be a New Zealand Citizen (or Permanent Resident) who is over the age of 18 or have a New Zealand business (with a valid NZBN/IRD) and be able to prove at least 12 months of trading.

What can I use the funds for?

A large business loan can be used for nearly all business use, including business renovations, to purchase new equipment or inventory as well as for general working capital and much more. The loan is not available to fund personal expenses.

Is the Larger Business Loan one that requires security?

Asset security is required to access funding over $150,000. It’s by way of charge on assets, which could also include registration in the PPSR or registering as a caveat.

A personal or director’s ensure is a promise to repay a loan which is general in nature rather than stating the security for a particular asset. The person who signs the ensure is personally liable if the business the borrower fails to pay back the debt.

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

An affidavit is an official form of document to offer the public notice of a legal claim to a property.

What exactly is a preapproval without Credit Check?

If you’re seeking the Larger Business Loan of $250K or more we can offer an initial pre-approval in order to make the process. We may be able to do this without a credit verification and within 6 hours of the initial application. The pre-approval is based upon a preliminary assessment which includes you answering some financial well-being questions. This is in no way an offer, nor is it a guarantee of finance. A conditional approval is subject an extensive credit evaluation and any offer you are offered could be on different terms.

Application process

Do I qualify for funds?

You may apply for an business loan if you:

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

How do I apply?

The application process is quick and easy. Just complete the online application in few minutes and a dedicated business credit specialist will call you to guide you through the process.

For a loan of up to $100,000 you’ll need proof of identity (valid Driver’s Licence) along with a valid NZBN/IRD as well as at least 6 months’ worth of bank statements.

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

$100K-$250K: Application details including credit consent, 6-12 months of IRD statements, bank statements (if the loan is greater than $150K).
$250K – $500K: Application details including credit consent and 12 month bank accounts, the IRD statement and the last two years’ finalised financial statements, in addition to interim current financial year financials, Aged Payables and Aged Receivables reports.

How soon will I hear a decision?

For an unsecured loan ($5K to $100K) we can often offer an answer in just one hour – as long as you submit your request at standard business timings and permit us to use the advanced bank verification system to immediately verify your bank account information online. If you want to upload copies of your bank statement, we’ll offer an answer in just 1 company day.

For the Larger Business Loan ($100K up to $500,000) we might be able to provide you with pre-approval conditional to your application within about 6 hours. After you’ve signed the pre-approval form, it will take approximately 2-3 days to receive final approval. However, this could be shorter based upon the circumstances for each application. Certain offers have been approved in the space of 24 hours.

The fastest way can be make sure you apply during normal company hours. You can also let us use the advanced bank verification system to check your bank’s information online. If you send us duplicates of your banking statements it takes a bit longer.

What is the time frame to receive the funds?

For the Small Business Loan ($5K and up) we usually offer an answer within one hour if you apply in standard business times and you allow us to use the bank verification system to instantly verify your bank’s information online. If you decide to upload copies of your banking statements, we are able to offer an answer in as little as the span of one business day.

For Larger Business Loans ($100K up to $500,000) we might be capable of provide you with conditional pre-approval within six hours. Once you have signed the pre-approval form, it will take between 2 and 3 days for the final approval. However, it could be faster based on the circumstances of each application. Certain offers have been approved within 24 hours.

The most efficient method can be ensure you apply during normal business hours. Also, let us use the advance bank verification link to verify your bank information online. If you decide to send us duplicates of your banking statement, it can take a bit longer.

What is the maximum amount I can borrow?

We provide loans that range from $5,000 and $500,000. When you submit an application for a specific amount we look at a variety of elements for determining how much we can lend you health of the company and the level of the repayments your business can support. The total amount of your loan will depend on the particular circumstances the company.

When you apply for a specific amount we look at a range of aspects to assess your well-being of the company and the level of repayments that your company can support. The total amount of your loan will be contingent on the particular circumstances the company.

Fees & repayments

How do you charge for a company loan?

When you make an application for business loans with us company loan, we will assess the risk assessment of your company and offer you with a tailored offer that includes the amount of the loan, the duration and interest rates. The company loan is an upfront-priced loan so you will know in advance the total amount to be paid, including any interest rates, fees or charges.

What is the factor that determines the price I am charged?

The interest rates on company loans rates depend on a variety of factors such as the amount that is borrowed, the business assets the money will be used for in addition to the industry that the business operates in, the long the business has been in operation as well as whether the business has enough cash flow to cover the loan, and the overall health and creditworthiness of the company.

What are the fees?

There aren’t any hidden charges with our business loans. You’ll know precisely how much it is that you need to pay, and when, from the day you sign up. There’s no compounding interest and no additional fees (as as long as you pay your payments in time).

We don’t charge an Application Fee. You are able to request a credit loan with with no upfront cost or any obligation to sign up.

The Origination Fee covers the costs associated with setting up and managing the loan. You are only charged this cost if you take out 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 the entire amount of the loan in full at any time.

If you are deciding to pursue this option, please speak to our friendly business credit professionals. The experts will provide you with the details of your repayment and an early payout figure. This is calculated as the total of the principal remaining and the accrued interest up to the date of early payout, plus 1.5 percent of the principal balance as well as any outstanding fees.

How do repayments work?

To make sure that you don’t miss payment dates and to align with your cash flow routine, we provide payments that are either daily or weekly. They are automatically deducted from your designated company account.

Security & privacy

Will my information be secure?

The security of your personal information, as well as being clear about how we collect information, use it, and exchange it, as well as secure your information, is vital and an integral part of our relationship you.

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

Yes. We employ industry-recognised encryption protocols to safeguard your personal, sensitive financial information and our funders are ISO 27001 certified for our dedication to protecting the security of customers and security. We make use of an advanced bank verification system that allows you to immediately verify your bank account details online to offer an immediate response.

About business loans

How do you define asset-based lending (a secured loan)?

An asset-based loan is when an business owner utilises the assets they have to get the funding. The asset can be a personal asset like the family home or a business asset such as a vehicle or piece or equipment.

The majority of lending institutions, including the major banks, prefer to make loans secured by an asset. If you are having difficulty paying back the loan, then the asset might be offered for sale by the lender. In essence, it’s the process of securing additional financing making use of the value of what you already own.

Should I need security to get an company loan?

For loans of up to $150K, there is no requirement for asset security prior to the loan’s access but we do need a personal guarantee. If you adhere to the loan terms (as detailed in your loan contract document) and you are able to meet your obligations, asset security is not required. For loans of over $150K generally, you are able to get an individual guarantee and security in the form the charge of assets.

Industries we currently aren't able to help with

  • Anything adult industry related
  • Auction houses and auction websites
  • Debt purchasers and debt collection companies
  • Direct marketers such as telemarketing, fundraising, mail order, direct-mail etc
  • Financial institutions or lenders
  • {Firearm businesses
  • Foreign currency exchange solutions
  • Customs clearing houses and freight forwarding
  • Gambling related industries
  • Not-for-profit organisations, charities, churches etc.
  • Panel beaters & smash repairers
  • Pawnbrokers and pawn shops
  • Property developers
  • Shares, stockbrokers and investment businesses
  • Tattoo studios
  • Ride-sharing or taxi services
  • Ticket resellers & entertainment sales
  • Vehicle towing services
  • Used automotive companies
  • Car glass tintingcompanies
  • Automotive wrecking yards

Although we can’t help with an unsecure business loan in the above industries, we might be able to assist you by providing an secured business loan.

A


B


C


D


E


F


G


H


I


J


K


L


M


N


O


P


Q


R


S


T


U


V


W


X


Y


Z


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

Fill out the form below or Call Now
1300 931 895