Unsecured Business Loan

Unsecured business loans let you borrow money without collateral like property or equipment. They’re a flexible option for needs like cash flow, equipment purchases, or growth opportunities. Typically short-term (3 months to 3 years), approval is based on your business’s financial health and creditworthiness.

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Requesting a quote has no impact on your Credit Score.
Unsecured Business Loan

Overview

Unsecured business loans let you borrow money without offering collateral like property or equipment. Approval is based on your credit score and financial health, making them faster and more flexible than secured loans. These loans are typically short-term (3 months to 5 years) and are ideal for covering cash flow, paying wages, or funding opportunities.

While they don’t require assets as security, unsecured loans often have higher interest rates and smaller borrowing limits because they carry more risk for lenders. If your business defaults, the lender will not normally have direct recourse against your property (like they would with a home loan), but you may still be personally liable if you've signed a director's guarantee.

Unsecured loans are a great option for short-term needs, offering quick funding without risking your business assets.

Cash Flow
Cash Flow Facilities
Asset Finance
Asset and Equipment Finance
Unsecured Business Loan

Features

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01

Typical Uses

Pros

Cons

Think About

  • Renovating business/Move premises
  • Buying inventory
  • Hire/Pay employees
  • Buy equipment
  • Increase working capital
  • For marketing
  • Tax payments
  • You don’t need to offer any collateral.
  • Clear and predictable repayment terms.
  • Minimal paperwork needed to apply.
  • Can be used for a variety of business needs.
  • Fast approval and funding process.
  • High interest rates
  • Can have harsh payment schedules
  • Available for short time-frames
  • May require director’s guarantee
  • Often have setup / ongoing fees
  • Am I struggling to meet any current repayments?
  • Do I need funds now, even if it impacts future cash flow?
  • Do I have outstanding bills or expenses I want to pay off?
  • Am I okay sharing details about my business to apply for a loan?
Typical Uses
  • Renovating business/Move premises
  • Buying inventory
  • Hire/Pay employees
  • Buy equipment
  • Increase working capital
  • For marketing
  • Tax payments
Pros
  • You don’t need to offer any collateral.
  • Clear and predictable repayment terms.
  • Minimal paperwork needed to apply.
  • Can be used for a variety of business needs.
  • Fast approval and funding process.
Cons
  • High interest rates
  • Can have harsh payment schedules
  • Available for short time-frames
  • May require director’s guarantee
  • Often have setup / ongoing fees
Think About
  • Am I struggling to meet any current repayments?
  • Do I need funds now, even if it impacts future cash flow?
  • Do I have outstanding bills or expenses I want to pay off?
  • Am I okay sharing details about my business to apply for a loan?
Typical Uses
  • Renovating business/Move premises
  • Buying inventory
  • Hire/Pay employees
  • Buy equipment
  • Increase working capital
  • For marketing
  • Tax payments
Pros
  • You don’t need to offer any collateral.
  • Clear and predictable repayment terms.
  • Minimal paperwork needed to apply.
  • Can be used for a variety of business needs.
  • Fast approval and funding process.
Cons
  • High interest rates
  • Can have harsh payment schedules
  • Available for short time-frames
  • May require director’s guarantee
  • Often have setup / ongoing fees
Think About
  • Am I struggling to meet any current repayments?
  • Do I need funds now, even if it impacts future cash flow?
  • Do I have outstanding bills or expenses I want to pay off?
  • Am I okay sharing details about my business to apply for a loan?

Potential Lenders

Further Information

MAXIMUM LOAN AMOUNT

$500,000

MINIMUM LOAN AMOUNT

$5,000

SPEED

WITHIN 24 HOURS

INTEREST RATE

14%

MAXIMUM LOAN TERM

3 YEARS

MINIMUM LOAN TERM

3 MONTHS

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Requesting a quote has no impact on your Credit Score.

What Sets Us Apart

DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
‍
You’ll need to interpret lender jargon and fine print yourself
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Requesting a quote has no impact on your Credit Score.

How We Help Fuel Your Business Growth

ONE APPLICATION TO 90+ LENDERS

At Valiant, we do the heavy lifting of your loan application. All you need to do is complete one easy form (which takes just 5-10 minutes) or jump on a quick call with one of our specialists.

From there, we use our leading product-matching software to find the right solution for you from over 90+ trusted lenders.

There's no need for endless paperwork or back-and-forth with multiple banks. Thanks to our streamlined process we can help you secure the right deal in as little as 24 hours.
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PERSONALISED SUPPORT

With a team of experienced brokers, we operate across all niches of commercial finance. No matter what your funding needs or business goals are, there's someone at Valiant who can help you.

From the moment you request a quote, you're paired with a broker who'll guide you from application to settlement.

And it doesn't end there. After approval, your broker becomes your go-to partner for future funding needs.
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FAQ's

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