Finance question
Can I get an unsecured business loan?
Often yes. An unsecured business loan does not require property or an asset as security, so it is usually smaller and faster than a secured facility and priced for the extra risk the lender carries. It is judged on your trading and cashflow. Ventas arranges it across its lender panel, sized to your revenue, subject to lender assessment.
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The short answer
No property on the line, judged on your trade
An unsecured business loan is exactly what it sounds like: funding without a house, a property or a specific asset pledged behind it. That makes it a common choice for service businesses and anyone who does not want to tie up security. Because there is no asset backing the loan, the lender looks instead at how your business actually trades, and the loan tends to be smaller and quicker than a secured facility.
The trade-off is in the pricing and the size. Without security to fall back on, the lender carries more risk, so an unsecured loan is priced for that and usually capped below what property-backed lending can reach. In return you get speed and simplicity, which often matters more than a lower rate when the need is timing rather than a large sum.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We look at your turnover, your bank statements and your trading history, then match you to the lender most comfortable with your profile. The amount is sized to your revenue and how the business trades, subject to lender assessment, and we never promise approval before that.
Do you qualify?
What an unsecured loan is judged on.
Trading turnover
Regular revenue the loan can be sized against.
An active ABN
Sole traders and companies both qualify.
Bank statements
Recent trading history the lender can read.
A clear purpose
Working capital, stock, hiring or a short-term gap.
Why businesses choose unsecured
Nothing pledged
No property or asset tied up behind the loan.
Quick to arrange
Less to value and assess, so it usually moves faster than secured lending.
Judged on trade
Your turnover and cashflow carry the deal, not a valuation.
A real example
A trades business turning over steady monthly revenue needs $60,000 to take on a bigger contract and does not want to use the family home as security. An unsecured loan, sized to the turnover and priced for the lack of security, funds the push. It settled quickly because there was no property to value. Illustrative only.
Common questions
Frequently asked questions
Do I need property to get one?
No. That is the point of an unsecured loan. It is judged on how your business trades rather than on an asset.
Why is it more expensive than a secured loan?
Without security to fall back on, the lender carries more risk, so unsecured lending is priced for that.
How much can I borrow unsecured?
It is typically tied to your turnover, so it scales with revenue rather than a flat cap. We cover the sizing on the no-security page.
Is it faster than a secured loan?
Usually. With no property to value there is less to assess, so unsecured loans tend to move quickly, subject to lender assessment.