Unsecured Business Loans
Brisbane

In The Next Few Hours, You Could Be Getting Ready For Success By Obtaining a Brisbane Business Loan

Unsecured Business Loans Brisbane

A Brisbane unsecured business loan is quick and easy to get. Request a quick approval and begin using the money in your business.

  • Are additional funds able to help your business in working capital, or for the potential for growth?
  • How do you finance your company needs?

What you can expect:

  • Easy to apply and get approved and money as early as tomorrow
  • There is no option to remittances in the initial four weeks
  • Amount of loan from $5k up to $500K
  • Terms from 3 to 36 month
  • Competitive interest rates
  • Minimal documentation

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

I'm now able to go on an extended vacation knowing that the Brisbane business will run effortlessly.
Local Business Owner
Business loans with interest rates and repayment terms as well as flexible repayment options to meet the requirements of your company needs.
Business Lending Options
I'm now able hire a marketing expert to boost my company to the next step.
Growing Brisbane Business
I'm now able to finance the renovation of our fresh Brisbane resturant without having to take cash from other restaurants.
Brisbane Resturant Owner
A simple loan application process with a generous borrowing limit, minimal requirements for credit and no requirement to create a business plan. Don't use your personal credit card or company credit cards in order to fund your company.
Unsecured Loans Made Simple
I'm now able make beverages for customers with the best equipment.
Cafe Owner
Business loans, especially an unsecured unsecured business loan or line of credit for business financing need never be an stressful procedure. Business finance is in the form in the form of small business loans that have an interest rate cost, and with a repayment time which is compatible with the requirements of your company financial needs.
Business Lenders for Business Goals
I'm able get my tax back in order.
Small Business Owner
Unsecured Business Loan Service Provider

Fast Approval Process

Making an application for an company financing in Brisbane with us is easy and takes just less than a minute, with no mountains of paperwork or queues.

Be approved and receive your cash within 1-2 company days.

Helping Business Owners Looking for an Unsecured Loan

People Choose Us Because We Get Results

We are aiming to assist Brisbane businesses of all types, whether small, medium or solopreneurs to access money quickly, so that they can make use of the loan to expand and develop.

  • It begins with an easy online application or a phone call
  • Flexible repayment terms that can be tailored to your company
  • Fast funding within a day or two days
  • We want to see you succeed as well as you business to succeed
Simple eligibility checklist

Small Business Loan Eligibility Criteria

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

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

Looking for more funding? Find out the guidelines for eligibility for our $100K to $500K company credit.

Here's How Other People Have Benefited

Examples of Business Loans

A restaurant owner was wanting to open a second establishment and required funds to installation. Their bank was not interested in helping. Typical monthly revenue for them was $50K. They were able borrow $66K over 24 months. The turnaround time was 8 hours.
Restaurant Owner
A gym that had been operating for over three years wanted to grow and needed additional equipment. With monthly revenue of $37K they borrowed $72K over a 24 month period. There was no security requirement and the loan was ready to go in only 24 hours.
Gym
A plumber who has operated their business for three years with $80K in monthly sales was looking for additional funding. They took out $153K on a 36 month term. All they needed is 12 months worth of banking statements as well as confirmation of the loan's status with IRD. The procedure was completed within an hour and the plumber had their extra working capital available in their account within a short time.
Plumber
An interior designer had noticed an opportunity to grow their company and needed working capital to fund this growth. With a monthly revenue of $300K they borrowed $250K in 24 months. The turnaround time was only 2 days, and all they had to present were 12 months worth of banking statement IRD confirmation, as well as their trust deed.
Interior Designer
The owner of a modest grocery store doing $70K a month borrowed $76K over a 24-month period with no repayments for the first four weeks. This had a requirement of 12 months' bank statements. Turnaround time was just 6 hours from the time of application until receiving the funds.
Grocery Store Small Business Loan
Simple eligibility checklist

Larger Brisbane Business Loan Eligibility Criteria

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

  • Minimum of 3 year’s experience in business
  • At least $700K of annual revenue
  • Be a New Zealand based business with an New Zealand Business Number (NZBN)
  • Drivers Licence or Passport for identification
  • You should have an account with a New Zealand bank as your main trading account
  • Bank statements from the previous 6 months
  • Certain financial statements, such as Profit & Loss, and aged accounts Payable and Receivable

Looking for a smaller amount of funding? Take a look at the conditions for eligibility 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 perfect for virtually any company purpose. Talk to us today.

  • Add or remodel commercial properties
  • Grow the team during busy times
  • Increase stock quantities to meet the demand
  • Create a new site or boost your marketing
  • Make sure you invest in new equipment, tools , or technological advancements
  • Purchase extra stock to cover seasonal demand
  • Manage cash flow fluctuations
  • Plus many more …

Want to get started on one of these as soon as tomorrow? Contact us now or apply online to apply the fastest, most convenient way.

Quick application checklist

What do you need to apply

All that’s required to begin is your contact details (company name, your name, email address or phone number), how much you’d like to lend, and your monthly earnings.

During the process and before settlement we’ll require confirmation of your identity, but not for starting:

  • Details of the Idenfication (valid Driver’s Licence)
  • Details of the business including time of trading, ownership details , and NZBN (New Zealand Business Number)

Once we’ve started with loans greater than $150,000 you’ll need basic financial statements.

  • Profit & Loss statement
  • Aged payables
  • Aged receivables

Let’s get started.

Here's How Others Have Benefited

Examples of Business Loans

A gym that had been in operation for more than 3 years, was planning to expand and was in need of additional equipment. With a monthly income of $37K, they borrowed $72K over a 24- month period. The loan was not secured to secure the loan. It was settled within only 24 hours.
Gym
An interior designer saw an opportunity to expand their business and needed working capital to fund this growth. With a monthly revenue of $300K they borrowed $250K in 24 months. The time to turn around for them was only two days and all they needed to provide were 12 months worth of banking statements, IRD confirmation, and their trust deed.
Interior Designer
The proprietor of a small grocery store making $70K a month borrowed $76K over a 24 month period with no repayments for the first 4 weeks. The loan required 12 months of bank statements. Turnaround time was just 6 hours from application to getting the money.
Grocery Store Small Business Loan
Following the purchase of a pizza place and two liquor stores six to 12 months earlier the new owners were looking for additional funds. The total revenue of the two stores was more than $500k per month. They were able to borrow $300K and split it into $100K per store with two different 24 and 36 months. There was no security on the owners' houses was needed.
Owner of a Pizza Store & 2 Liquor Stores
With the busy Christmas time nearing, a clothing store required additional working capital to purchase more inventory and to take advantage of the discount offered by suppliers. They took out a loan of $20K over a period of 12 months without asset security required and had the funds within 24 hours.
Clothing Store

The lending landscape has changed

With traditional lenders and banks increasing their credit requirements as well as the continuous stream of alternative and non-bank loan providers entering the market offers an incredible source for you to tap into.

Brisbane SME’s are now able to access finance through other lenders in Brisbane who are focused on enabling business expansion or smoothing out cash flow challenges. In the past, individual credit providers (drawing equity from the home loan or credit cards or personal loans, as well as loans) were the only alternative funding services available in Brisbane that were around.

There’s not a requirement for you to depend on the real estate market to secure company lending. With an unsecured loan, business financing is easy. Instead of a loan for a term with a bank, business finance for a small company with interest rates and loan terms that aid to manage cash flow are around as business credit options.

High level summary

Separate personal and business debt

There are many benefits in separating personal from company debt.

  • Your home or other investmentsaren’t tied for the purpose of accessing funds
  • This business has a stronger position to build its own, clear credit history
  • It is much more seamless at tax time
  • Businesses are able to easily review the situation, track and plan based on being able to clearly examine their cash flow status

Limit your exposure, make tax time easier, get started with an unsecure business loan. Get it today.

For those who like the detail

Separate personal and business debt

Risk

One of the main benefits of keeping your business and personal business assets separate will be the fact that your house isn’t required to be tied to the funds. In the case of a business loan within Brisbane up to $100K, asset security will not be needed as long as the borrower meets the loan requirements.

Credit history

Companies will be in a advantageous long-term situation if they can demonstrate good credit/debt capability.

Tax

It is important to separate personal from company finances makes it more seamless in the event of tax time - especially when it comes to determining the tax deductible allocation. The IRD has outlined the requirements for evidence for claiming deductions on the tax return of a company. This is an area that the IRD has advised specifically on.

Cash flow

A well-organised cash flow management system is crucial to the long-term success that of any company. By keeping personal and company finance separate, businesses can easily view, monitor and plan based on the ability to clearly assess their cash flow position.

Business loan interest rates and repayment conditions, and flexible repayment options that can be tailored to what your business needs.
Business Lending Options
I can now make the coffee I serve my clients with the very best equipment.
Cafe Owner
I'm able to get my taxes back in order.
Small Business Owner
Business loans, in particular those that are unsecured business loan or line of credit to business financing need have no tense process. Business finance can be in the form in the form of small business loans at a fixed interest rate and repayment time which is compatible with your business cash flow.
Business Lenders for Business Goals
An easy loan application process that comes with a high loan limit, with minimal credit criteria and there is no need to provide a business plan. Do not use your personal credit card and company credit cards as a way to fund your company.
Unsecured Loans Made Simple
I'm now able to hire a marketing professional to boost my business to the next level of business growth.
Growing Business
I can now take an extended vacation knowing that it is safe knowing that Brisbane business will run well.
Local Business Owner
I can now fund the construction of our newly constructed Brisbane resturant without having to pull cash from the other restaurants.
Brisbane Resturant Owner
FAQ: business lending & business loans for business owners

Business Loans Frequently Ask Questions

Information About The Brisbane Small Business Loans

Let me know more about Brisbane Small Business Loans

Brisbane unsecured loans offers 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 this Unsecured Loan different from the traditional business loan?

Apply to get your Small Business Loan in under 10 minutes online or over the phone, receive an answer within the same day and funds may be available in just 24 hours. Traditional business loans have an annual interest rate along with other charges and fees. Our company loan is an upfront priced loan and you’ll know in advance the total amount due, which includes any interest, fees or charges. This is then divided into a daily or weekly repayment figure.

What can you use the Small Business Loan be used for?

A Small Business Loan can be used for virtually any company purpose including control of cash flow company renovations, marketing, to purchase inventory or new equipment, as general working capital and so much more. The loan cannot be used to fund personal expenses.

About the Larger Brisbane Business Loans

What is the Larger Brisbane Business Loan?

The Larger Business Loan is a larger size loan to aid in business expansion opportunities. Loans are between $100,000 and $500,000 with a term fixed that can last up to 36 months. The repayments are made weekly or fortnightly, depending on your cash flow.

How is the Origination Fee determined?

A Larger Business Loan has an Origination Fee, determined at 2.5 percentage of the amount of the loan.

Do I qualify for the Larger Business Loan?

To be eligible for a loan of this size, your company needs to have been operating for a minimum of 3 years, and have an annual income 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 to demonstrate at minimum 12 months of business.

How can the funding be used for?

A Business Loan of a larger size can be used for nearly all company use, including company renovations, to purchase new equipment or inventory for general working capital and much more. The loan cannot be used for personal reasons.

Is the Larger Business Loan one that is secured?

Asset security is needed for accessing funds over $150,000. It’s as a result of an charge over assets, which could also include registering this in the PPSR or the registration of as a caveat.

A director’s or personal guarantee is a guarantee to pay off a credit line that is general in nature rather than defining the security of a specific asset. The person signing the ensure is personally liable if the business creditor is unable to pay back 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 granted to individuals who own personal property (including objects or assets). The PPSR allows the priority of personal property granted depending on the date that a registration of a security interest.

Caveats are legal document filed to offer an official notice of a claim against a property.

What is a pre-approval that does not require Credit Check?

If you’re requesting the Larger Business Loan of $250,000 or more we can offer a preliminary pre-approval to help smooth out the process. We might be able to make this decision without credit checks and within 6 hours of your initial application. The pre-approval process is based on an initial assessment, which involves answering a couple of financial well-being checks. It is in no way an offer, nor is it a guarantee of funds. Unconditional approval is subject to an extensive credit evaluation and any offer you might receive could be subject to different terms.

Application process

Can I be eligible for funding?

You may be eligible for a business loan if you:

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

How do I apply?

The process for applying is fast and simple. Simply complete the online form within a few minutes and an experienced company credit specialist will call you to guide you.

For a loan of up to $100,000, you’ll require the right identification documents (valid Driver’s License), an active NZBN/IRD, and at least six months worth of bank statements.

Otherwise, for larger loan sizes, you’ll also need:

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

How fast will I get a decision?

For an unsecured loan ($5K to $100K) we can often provide a response in one hour if you make your application within quality company times and permit us to utilise the bank verification system link to immediately verify your bank account information online. If you decide to send us copies of your bank statements we can offer the decision within just 1 company day.

For the Larger Business Loan ($100K and up) we might be likely to offer you with a conditional pre-approval within 6 hours. After you’ve signed your pre-approval form, it will take about 2-3 days for final approval, however this can be quicker based on the particular circumstances of each application. Certain deals have been approved in less than 24 hours.

The quickest way to apply for you to apply is ensure you apply during normal company hours. You can also permit us to use the modern bank verification to instantly verify your bank account information online. If you send us the copies of bank statements it may take a bit longer.

What is the time frame to receive the cash?

For the Small Business Loan ($5K to $100K) we usually provide an answer within an hour – as long as you make your application in normal business time and allow us to make use of the advanced bank verification system to instantly verify your bank information online. If you decide to upload copies of your bank statements, we’ll be able to provide the decision within an business day.

For the Larger Business Loans ($100K or more) we might be able to provide you with conditional pre-approval within about 6 hours. After you’ve signed the pre-approval, the turnaround time is around 2-3 days for final approval. However, this could be shorter based on the circumstances of each application. Some offers have been approved within the space of 24 hours.

The most efficient method can be ensure you apply during normal business hours. Also, let us use the advance bank verification to confirm your bank details online. If you choose to send us duplicates of your banking accounts, it will take a little longer.

What’s the minimum amount I can borrow?

We provide loans ranging from $5,000 to $500,000. When you submit an application for a particular amount, we take into consideration a range of elements that determine your health of your business and the amount of repayments that your company can support. The amount you receive from your loan will depend on the specific circumstances for your business.

When you submit an application for a set amount, we will consider a number of factors to assess how much we can lend you such as well-being of the company and the extent of the repayments your company can afford. The total amount of the loan will be determined by the specific circumstances for your company.

Fees & repayments

How do you charge for the cost of a business loan?

If you decide to request business loans with us business loan, we’ll assess the risk assessment of your business and offer you with a tailored offer that includes loan amount, term and the interest rates. This company loan is an upfront cost loan and you’ll know the exact amount payable including any costs, fees, or interest rates.

What determines the rate that I’m charged?

The interest rates on business loans rates vary due to factors such as the amount that is that is borrowed, what business assets the money will be used for in addition to the industry that the business is in, how long the business has been in operation as well as in the event that the business has enough cash flow to fund the loan, and also the overall health and creditworthiness of the company.

What are the costs?

There are no hidden fees with our business loans. You’ll be aware of the amount you’ll be required to pay and when, right from the first day. There’s no compounding interest and no extra fees (as as long as you pay your payments on time).

We don’t charge an Application Fee. You are able to make an application for loans with without any upfront costs or any obligation to sign up.

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

Can I pay off the loan in advance?

You can repay the total amount of your loan at any point in time.

If you choose to do this please speak to our friendly company lending professionals. The professionals will offer you with details for repayment as well as an early payout amount. It will be calculated using the total of the principal amount remaining plus any accrued interest as of the time of early payout plus 1.5% of the remaining principal and any outstanding fees.

What is the process for repayments?

In order to help you avoid missing repayments and to fit in your cash flow schedule, we offer repayments that are either weekly or daily. They are automatically deducted from your business account.

Security & privacy

Will my data be protected?

Making sure that your information is secure, and being clear about how we collect information, use it, and exchange it, as well as protect your information, is crucial and a vital part of our relationship you.

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

Yes. We make use of industry-standard encryption standards to secure your personal, sensitive financial information and our funders are ISO 27001 certified for our dedication to security for our clients and security. We use an advanced bank verification system link to immediately verify your bank account information online, allowing us to offer rapid response.

About business loans

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

The term "asset-based" refers to borrowing where the company owner makes use of an asset that they own to secure a loan. The asset could be an individual asset, such as the family home or an company asset such as a vehicle or piece of equipment.

The majority of banks, not just the banks with the biggest size, prefer to guarantee loans against an asset. If you have trouble paying back the loan then your asset may be taken over by the lender. In essence, it’s the process of securing new funding taking advantage of the value of what you already own.

Do I require security for an business loan?

For loans of up to $150K, there is no requirement for asset security before you are able to access the money, however we do require a personal guarantee. So long as you comply with the loan terms (as stated in your loan contract) and you are able to meet your obligations, asset security is not required. For loans over $150,000 generally there is personal guarantee and security in the form of charges on assets.

Industries we currently aren't able to help with

  • Anything adult industry related
  • Auction houses and auction websites
  • Debt collection companies & debt purchasers
  • Direct marketers including telemarketing, fundraising, mail order, direct-mail etc.
  • Financial lenders and institutions
  • {Firearm related businesses
  • Foreign currency exchange offerings
  • Freight forwarding and customs clearing houses
  • Business involved with gambling
  • Not-for-profit organisationsincluding charities and churches etc
  • Smash repairers or panel beaters
  • Pawnbrokers & pawn shops
  • Property developers
  • Investment business, shares and stockbrokers
  • Tattoo palours
  • Taxi and ridesharing services
  • Ticket resellers & entertainment sales
  • Tow truck services
  • Secondhand automotive companies
  • Car glass tintingfirms
  • Car dismantlers

We can’t assist with an unsecured business loan for those industries, we might be able to assist you by providing the secured business loan.

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Brisbane Small 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 931 913