Unsecured Business Loan – finect

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Unsecured Business Term Loan

Fast, flexible funding with no asset security required. Approved on your business performance — funds often within 1 business day.

🎯 Best for when: You need funds fast for growth or a gap — without touching property.

Up to $1M

Loan amount

Same day

Funding possible

None

Property required

🔒 Soft check only — won’t affect your credit score · ~2 minute application

What is an unsecured term loan?

Quick funding without collateral. Lenders assess your trading performance, cash flow and creditworthiness — not your assets. Typically the only documents required are bank statements from your trading accounts, which is why approvals move so fast.

Need funds fast

Approved on how you trade — cash often within 1 business day.

Don't want to risk property

No asset security required — your home stays out of it.

Been knocked back before

We look at how you trade today, not an old credit score.

Who it's for

Ready when you are

Apply in ~2 minutes. First offer within 24 hours. Funding in as little as 24 hours.

Soft check only · no hidden fees · declined elsewhere? Still apply.

Typical uses

Inventory & stock

Stock up before peak season without draining cash.

Hiring & payroll

Cover wages and new hires while you grow.

Marketing campaigns

Fund the campaign that brings the next wave in.

Business growth

Back the next move without waiting on cashflow.

Tax bills & ATO
obligations

Meet ATO deadlines and keep trading steady.

Working capital

Smooth the gaps between money in and money out.

Explore other products

Secured Term Loan

Borrow against property or assets for larger amounts, lower rates and longer terms.

$10k – $1M+

Business Car Loan

Chattel mortgage — own your business vehicle from day one, with potential tax advantages.

Flexible

Line of Credit

Up to $1M on demand. Draw what you need — only pay interest on what you use.

Up to $1M

Invoice Finance

Unlock 80–90% of unpaid invoices within 24 hours. Keep cash flowing without the wait.

80–90% of invoices

Trade Finance

Spread the cost of bulk stock over 2–9 months. Unlock supplier discounts.

2–9 month terms

Asset & Equipment Finance

Machinery, tools and tech — own the gear that drives your business from day one.

Flexible

Construction &
Development

Staged drawdowns matched to your build — from small builds to major developments.

Project-sized