What is an Unsecured Business Lending in Australia?

Max Funding's Unsecured Business Loans allow small business owners across Australia to access funding fast, without any security requirements. With flexible repayment options to suit your cash flow, we are the preferred option for business owners like you. Get pre-approval within 5 minutes now (available 24/7)!

At a Glance

Loan amount
$2,000 - $300,000
Want to borrow more? View our other loan products.
Pre-approval time
5 minutes
Loan term
1 - 12 months
Easy eligibility criteria

New businesses

We understand how hard it is to get funding as a small business. That's why we have made our criteria flexible to suit start-ups. Complete our five-minutes application process and we will give you a result straight away!

Trading for 6 months+

  • Stable monthly turnover of $6,000+
  • Relatively good credit
Suitable for All Industries
  • Cafes and restaurants
  • Retail stores
  • Tradespeople
  • Service providers
  • Other industries
Interest rates
From 1.80% per month
Based on individual factors, a repayment plan will be provided to you for your consideration upon final approval.
Max Funding aims to assist you to obtain the highest possible amount based on the information provided. This may include considering your assets and business activities (product mix). If you wish to clarify which product you have been approved for, please contact us prior to proposal acceptance.


  • 6 months of business bank statements
  • Driver license
The loan can be unsecured depending on the strength of your business. To borrow a larger amount, offering a real estate or a motor vehicle as security can help.
Complete our fast 5-minute application form and get a decision within 60 seconds, 24/7.

What is an Unsecured Business Loans Australia?

When you apply for a loan from a traditional lender, it is standard practice for the financial institution to seek some type of collateral to use as security against the loan. In the case that the borrower defaults on their repayments, this collateral can be used to help the lender recover their lost assets.

An Unsecured Business Loan is considered "unsecured" because there is no collateral involved. Lenders in this category expose themselves to greater risk, as they have little recourse if the borrower defaults. For this reason, the borrower’s credit plays a more important role in determining how much they are able to borrow at one time.

If you or your business is able to pass a credit check and meet certain income requirements, chances are good that you qualify for an unsecured loan from Max Funding ranging anywhere from $2,000 to $300,000. This could be an ideal solution when your business is just getting started and doesn’t currently own the assets needed to post as collateral for a mainstream loan.

How Much Can I Borrow for an Unsecured Business Loan?

Every loan is different, and there are many lenders out there who simply aren’t prepared to provide local businesses with enough cash to make a difference. But at Max Funding, we’re committed to providing sufficient capital to our clients with operations running at acceptable levels.

The amount that you can borrow through our Unsecured Business Loans depends on your credit rating and monthly turnover. We allow borrowers to take out anywhere from $2,000 all the way to $300,000, as long as they appear solvent enough to repay this within a year.

Where to Get an Unsecured Business Loan?

If you’re searching for financial assistance for a small business in Australia, it can be difficult to know where to turn. The bricks and mortar banks around the country maintain oppressively strict screening protocols, making getting a loan a difficult and time-consuming process. Needless to say, most business operators would welcome a more streamlined application process.

Thanks to Max Funding, you can now obtain unsecured business finance with a few clicks on your computer. There’s no need to waste time shopping around from one financial institution to the next. Instead, all you have to do is browse our selection of financial products and take advantage of our quick and painless application process.

With our Unsecured Business Loans, we help fledgling businesses obtain access to capital even if their company doesn’t own property or substantial assets to leverage as collateral. We don’t require the extensive financial records that mainstream lenders want to see, and we’re refreshingly flexible in terms of the criteria we’ll accept.

How to Get an Unsecured Loan for a Business

Applying for business loans that are unsecured is an easy and straightforward process. Your application begins right here on this website. So if you’ve made it this far, you’re only a few clicks away from being pre-approved.

We’ve included a short application form right here on this page. All you have to do is fill it out with some preliminary information about the loan you would like to receive and your business’ credit history. Once you’ve completed the form, you’ll be well on your way to obtaining the cash your company needs.

Here’s an overview of the basic information we ask for:

  • Loan Amount
  • All you need to tell us is approximately how much cash you would like to borrow for your business. Bear in mind that we won’t hold you to the figure you enter here, so it’s best to err on the high side if you’re unsure how much you’ll actually need.

  • Loan Purpose
  • What’s the primary purpose of taking out this loan? Are you in need of start-up capital to set operations in motion, or are you looking to resolve short-term issues with cash flow? Perhaps you’re intent on growing your business over the next few months and know that you’ll need a bit of extra capital to make this possible. Let us know, and we’ll structure your pre-approval accordingly.

  • Credit History
  • Finally, we’ll take your credit history into account. As unsecured lending doesn’t require any collateral, we will have to take your credit rating more seriously than we do for some others types of loans. However, this is not the end-all of our screening process, and we’re firm believers that every business operator deserves a second chance.

Why Max Funding?

There are plenty of lending agencies offering unsecured small business loans in Australia, but we truly believe that our process and lending philosophy set us apart from our competition. First and foremost, we understand that every business is different and has its own unique set of objectives and challenges. With that in mind, we strive to tailor each loan to the borrower.

We’re an agile and ambitious 21st-century lender, and we believe today’s small business owners deserve access to lending packages that are suited to modern-day operations. If that means letting go of dated conventions and an obsession with 20th-century lending criteria, we’re eager to do so.

If your business is in need of a timely loan, but you don’t have the collateral required to secure it, Max Funding can help. Click "Apply Now" at the top-or simply fill out the form on this page. If you have any questions, don't hesitate to contact us.