Unsecured Business Loan
Fast, straightforward funding for established businesses — without offering property as security.
Funding without the property on the line
An unsecured business loan is assessed on the trading performance of your business rather than on real estate. It is a fast way to fund growth, stock or short-term cash-flow needs without tying up your property.
Loan amounts and pricing reflect the lower level of security, so unsecured funding usually suits smaller amounts and shorter terms. Where a larger amount is needed, we can compare it against a secured option for you.
24h
Term sheet issued after loan approval
Why choose this facility?
Every deal is assessed on its merits — the security, the numbers and your exit — not a rigid bank checklist.
- No real estate required as security
- Quick, simple application process
- Suits established, trading businesses
- Fixed repayments make budgeting simple
- Use funds for almost any business purpose
- Compare against secured options side by side
Popular reasons to borrow
Stock & inventory
Buy stock ahead of demand or a big order.
Marketing
Fund a campaign that brings in new customers.
Equipment
Upgrade tools, technology or vehicles.
Short-term cash flow
Cover a temporary gap without long-term commitments.
Our 3 step funding system
With our 3 step funding system we often settle deals within 5 working days for non-bank funding.
Enquiry
Contact us to discuss the loan scenarios: loan amount, property and exit.
Approval
Apple Finance will issue a term sheet within 24 hours of approving the loan. The term sheet sets out the key terms of the loan.
Settlement
Apple Finance to complete any outstanding documents review and submit the loan agreement. Funds are paid within 48 hours upon satisfying the loan conditions.
Frequently asked questions
Unsecured loans generally suit established businesses with a trading history. Contact us to talk through your scenario and we will tell you what is possible.
Unsecured amounts are usually smaller than secured loans because there is no property backing the facility. If you need more, a loan secured by real estate may give you a higher limit and better terms.
Because the lender takes on more risk, unsecured funding is generally priced higher than secured funding. We will lay out the options so you can compare them.
Start with an enquiry: the loan amount, what the funds are for and how the loan will be repaid.
Ready to talk about your funding scenario?
Tell us the loan amount, the property and your exit. We’ll come back to you with options — often with a term sheet inside 24 hours.