Unsecured business loans settled in as little as 1 daydecided by people, not algorithms
Unsecured business loans in Australia: typically $10k to $500k at not applicable, over 3–36 months, settling in 1–3 days once security and entity documents are in hand. Cash-flow lending assessed on trading history and bank statements, with no property security.
- Confidential process throughoutWhat we bring
- Clear pricing before you commitWhat we bring
- Fast, direct answersWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“Will this hurt my bank relationship”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“I don't want my competitors knowing” — a fair concern, and one we address in writing before any application is lodged.
“The paperwork will take forever” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: Cash flow tight between invoices; Tax debt building faster than expected; Growth opportunity needs capital now; Bank application taking too long; Don't want a rigid monthly repayment. What we bring: confidential process throughout, clear pricing before you commit, fast, direct answers.
How we work.
From the first call to the final drawdown, each step is led by a principal — not a queue.
Tell us the scenario
Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses unsecured business loans.
Indicative terms
A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.
Credit and valuation
The lender assesses security, entity and exit. For unsecured business loans this is typically 1–3 days end to end.
Settlement
Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.
Questions we are asked.
How fast can a business owner get funded?
Indicative terms are often available within a day or two of a complete application, with funding following once documentation and any security are finalised. Unsecured and line-of-credit facilities generally move fastest; property-secured facilities take a little longer for valuation and registration.
Will using a private lender affect my relationship with my bank?
No, arranging finance away from your main bank doesn't affect that relationship, and many directors use a separate facility specifically to keep it that way. Confidentiality is standard practice across the panel we place with. It's also common for a business to hold facilities with more than one lender for exactly this reason.
Can I get a business loan without offering property as security?
Yes, unsecured facilities and lines of credit are both available, sized to the business's trading history, turnover and covenant rather than a property asset. Property security typically increases the amount available and improves pricing, but it isn't a requirement for every structure.
What can I use a short-term business loan for?
Common uses include working capital, clearing a tax debt, funding a growth opportunity, or bridging ahead of a larger facility. It needs to be for a business or investment purpose — personal or household use falls outside what we arrange.
How much paperwork is actually needed?
It depends on the facility and the lender, ranging from a straightforward alt-doc application using BAS and bank statements through to a full-doc submission for larger or property-secured facilities. We confirm exactly what's needed for your circumstances before you start gathering anything.
Is a line of credit better than a term loan for my business?
It depends on whether the need is ongoing or one-off. A line of credit suits fluctuating working-capital needs since you draw and repay as required; a term loan suits a single, defined purpose with a set repayment schedule. We help work out which fits before recommending a lender.
How fast can unsecured business loans settle?
Typically 1–3 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.
How much can I borrow with unsecured business loans?
Our panel typically funds from $10,000 to $500,000, at not applicable. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.
What security is needed?
GSA and director guarantee. The stronger and more liquid the security, the sharper the pricing.
Is this a consumer loan?
No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.