Business Details
11 Years
experience
Trusted Unsecured Business Financing in Australia
Unsecured Finance Australia was founded by Rob Sinclair and Rob Hayward, two finance industry professionals with over 40 years of combined experience. Recognising the challenges small businesses face in securing timely funding, we established our company to provide accessible, unsecured financing solutions tailored to the dynamic needs of Australian entrepreneurs. Our streamlined application process eliminates the need for extensive paperwork, with approvals often granted within 24 hours and funds available the same business day. We specialise in short-term unsecured business loans and lines of credit ranging from $5,000 to $300,000, offering flexible terms between 12 and 24 months. Our team prioritises transparency, with no hidden fees and interest rates determined by individual business health rather than rigid formulas.As an Australian-owned company with offices in South Australia, Victoria, and New Zealand, we maintain a strong commitment to supporting local businesses through fast, reliable financial solutions. Our eligibility criteria focus on practical metrics like six months of trading history and $10,000 monthly turnover, making financing accessible to growing enterprises. With multiple positive customer testimonials highlighting our responsive service and effective solutions, we continue to build our reputation as a trusted alternative to traditional banking institutions.
Services
Unsecured Business Loans
Business Line of Credit
Invoice Financing
Short Term Loans
Fast Business Funding
Online Loan Applications
Flexible Repayment Terms
Same Day Approvals
No Collateral Required
Small Business Financing
Details
- Year established: 2015
Highlights and features
- We offer 24-hour loan approvals with minimal documentation required
- Our team provides same-day fund transfers upon approval
- We specialise in unsecured financing solutions for businesses with 6+ months trading history
- We maintain transparent fee structures with no hidden charges
- Our flexible repayment terms align with business cash flow cycles
What people say
Quick response time
Easy application process
Fast funding available
No collateral required
Flexible repayment options
Services
Unsecured Business Loans
Our unsecured business loans provide funding from $5,000 to $300,000 without requiring asset collateral. Designed for businesses with at least six months trading history and $10,000 monthly turnover, these loans feature fixed terms of 12-24 months with transparent interest rates based on business financial health. Funds typically transfer same-day upon approval, making this solution ideal for urgent cash flow needs, equipment purchases, or business expansion opportunities.
Business Line of Credit
This revolving credit facility offers businesses access to $5,000-$300,000 in funds that can be drawn as needed. With no collateral requirements and flexible repayment terms aligned to business cash flow cycles, our lines of credit help manage seasonal fluctuations and unexpected expenses. Approved applicants maintain ongoing access to funds, paying interest only on amounts used, with quick re-access following repayments.
Invoice Financing
Our invoice financing solutions help businesses convert outstanding invoices into immediate working capital. Designed for companies with established invoicing systems, this service provides up to 85% of invoice value upfront while we manage payment collection. This solution maintains healthy cash flow without debt accumulation, particularly beneficial for businesses with extended payment terms or irregular income patterns.
People
Rob Sinclair
Co-Founder
With over 20 years in finance and business operations, Rob Sinclair co-founded Unsecured Finance Australia to address market gaps in small business funding. His extensive industry experience shapes our customer-centric approach to unsecured lending solutions.
Rob Hayward
Co-Founder
Bringing two decades of financial services expertise, Rob Hayward established Unsecured Finance Australia to provide accessible business financing. His operational background across multiple industries informs our practical approach to unsecured loan assessment and risk evaluation.
Questions
What loan amounts can I access?
We offer unsecured business loans and lines of credit ranging from $5,000 to $300,000, with specific amounts determined by business financial health and cash flow stability.
How quickly can I get approved?
Most applications receive approval within 24 hours, with some decisions made in as little as one hour. Same-day fund transfers follow successful approval and document signing.
What eligibility criteria apply?
Applicants need six months business trading history, minimum $10,000 monthly turnover, and regular cash flow. We also require business bank statements and ABN verification.
Do you perform credit checks?
Yes, we conduct credit assessments but consider overall business financial health rather than relying solely on credit scores for approval decisions.
Are assets required as security?
No, our loans and credit facilities are unsecured, meaning you won't need to pledge property or equipment to access funding.
Can startups apply?
We require minimum six months business operation history, making our products unsuitable for new startups but accessible to established small businesses.
