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Unsecured Business Loans

If you are a SME small to medium business operator and need funds for working capital, invoices, inventory, equipment, fitouts or staff wages; A Small business unsecured loan can provide fast, short term assistance to help keep your business growing. Unsecured Business Loans can be used for any worthwhile business purpose and no collateral or security is required for a business loan.

UNSECURED BUSINESS LOANS FOR

Invoice Finance

Fitouts

Inventory / Stock

Tax / ATO Debt

Wages / Salaries

Advertising / Marketing

COMMON QUESTIONS

What is an unsecured business loan?

An unsecured business loan is simply a personal loan tailored specifically for business use. An unsecured business loan is provided without the need of security or collateral to be held and can be used in the general everyday operation of your business.

What it the loan term for business loans?

Unsecured Business Loan terms can be tailored to meet your business needs and cash flow with short loan terms of 3 months through to longer terms of 5 years.

Who should apply for an unsecured business loan?

An unsecured business loan can be used for any worthwhile business purpose from paying invoices, advertising, stock, salaries, tax debt through to fitouts, line of credit and business overdraft. Unsecured Business Loans are available for (SME’s) Small and Medium Business Enterprises and do not require the same financial paperwork as traditional lenders.

What do I need for my loan application?

To apply for a business personal loan, follow our easy online application. From there you may need to provide up to 6 months business bank statements showing business income.

Your business loan consultant will then be able to assess and deliver a suitable answer for you.

Are there disadvantages for unsecured business loans?

As there is no collateral / security needed for unsecured business loans and minimal paperwork is required, some lenders may charge a higher interest rate. Loan amounts for unsecured business loans are determined on your business bank statements and income shown.

I have a new business, can I get an unsecured business loan?

As most lenders will request a minimum of 6 months bank statements showing business income, it’s advisable to have your business in operation for a minimum of 6 months.

Can I get a unsecured business loan with bad credit?

If you have had a bad credit history, have a black mark on your credit file it can be difficult to gain funding for your business. However, we will work with you and lenders to establish your reasons behind the poor credit to build a strong case to help your loan application succeed.

How do I qualify for a business loan?

To qualify for an unsecured business loan you need to be in business for a minimum of 6 months, have a turnover of $5000 per month and have fair credit history.

START YOUR UNSECURED BUSINESS LOAN APPLICATION

PROS & CONS OF UNSECURED BUSINESS LOANS

PRO'S

Quicker answer than traditional banks with minimal paperwork needed.

Flexibility to set a repayment plan to suit your cash flow, usually over a term of up to five year

CON'S

Interest rates can be higher than traditional business loans. This is based on your application, business turnover and credit history. 

Loans can be restrictive as the borrowed amount is based upon your average turnover. If your business operates mainly in cash and has little bank transaction history, you may not qualify.

Why Choose Us?

We help make unsecured business loans easy. Whatever your business requirements and whatever your financial situation, we’re on your side. Backed by national buying power, meaning we’re in the best position possible to negotiate better, more affordable finance rates for you.

We compare the available lenders and banks for you to find the best available outcome.  Our system will check your loan throughout our panel of lenders without negatively affecting your credit rating to provide you transparency on your loan. We process thousands of loans each year, have in-depth knowledge of lender guidelines so we can present your loan correctly, giving you the best opportunity to get the right answer.

We’ve helped thousands of Australians find their loan.

I would like to thank Kim Shelverton for her assistance in getting my car loan.Kim is very friendly and professional it was a pleasure to deal with her.It was easy to get in contact with her no matter the time. I would recommend Icredit if you are looking for a a car loan.
EVA S.
very happy with the service Kim was very nice and very helpful thankyou
Jade R.
Christine at ICredit is Amazing she went above and beyond to help us. I can honestly say i don"t think i have had better service and care anywhere ever! All times of day of night Christine was offering to help. Thank you Christine you made ta stressful process very enjoyable. Thank you , you a are Legend.
Cindy H.
Great service, very prompt from Kim in what was a slightly difficult situation, would highly recommend!!
Jason W.
Can’t thank Emily enough, gorgeous person to deal with!! Patient and understanding Thankyou for the lovely service
Kiara T.
Jay T.
Good afternoon please I don't understand this app again you use auto debt to debt from account the sum of 36920 and you still asking me to pay please Check ur record well
Adekunle A.
Christine was absolutely amazing with helping an making sure everything worked out ! Cannot thank her enough ! ?
sam F.
Very satisfied with the service - the speed of settlement was incredible and puts my bank to shame.Kim is friendly, knowledgeable and determined to make sure that everyone walks away happy from the experience.I'd give 6 stars if I could.
Steve H.
Kim is a great help, friendly and helpful, makes it a lot easier than doing it alone.I will be using her when ever I need something
adam B.
I’ve used icredit for multiple loans and Scott has been nothing but professional, fast and amazing to work with. Can’t recommend them enough.
Fraser G.
Todd B.
This is the 2nd time I've worked with Matt. He was recommended to me as he helped someone get a loan who might not have been able to.He's helped me get 2 cars so far and even my dealership was impressed at the speed at which he organised everything and settled the contract.I will continue to use Matt for all vehicle loans.
Ethan H.
Scott from iCredit was fantastic to deal with when we purchased our new horse float. He made everything so easy and nothing was too much trouble. Highly recommend dealing with this company.
Tina R.
derek S.
Thank you very much. Scott is the best
Laura C.
Christine from iCredit is amazing! She goes above and beyond to help with getting the best interest rates and helps every step of process. Thanks to Christine I have an amazing new horse float and I can’t thank her enough! I wouldn’t hesitate to recommend her to anyone!
Jasmin P.
Shout out and a HUGE thank you to Christine at ICredit. Christine managed to obtain my funding at an incredible rate when I wasn't even sure that I could get approval!!! First loans are difficult when you are young. She process my loan with amazing speed, walked me through the process with ultimate professionalism and dealt with the car dealer, lenders and insurer for me. Christine took away all the stress associated with borrowing money to finance a car and completely took care of everything for me. I cannot recommend her highly enough! If you are looking for finance, contact Christine. You will not be disappointed. Thanks Christine!
Brock L.
Kim was excellent to deal with working with me outside of business hours definitely helped to, will definitely be going back to Kim for any broker needs!
Maxwell B.
Great people to deal with, Scott helped us out so much for a fast result couldn’t be happier
Wayne W.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Kim is extremely helpful and very good at what she does. Quite happily recommend her.
kellithorpe115
Christine has been amazing. This time with our car purchase she got approved for us in just 2 days. Always positive and ready to help. Will definitely be going back for a 3rd time when we need help with our next finance request. Thank you so much Christine.
Heather B.
Excellent customer service and extremely quick with the whole process.
Daniel P.
Emily fromICREDIT was most helpful very easy to contact at all times for any help at any time couldn’t recommend her enough
casey H.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
Friendly, knowledgeable and easy to deal with. Everything advised, you know what you need to provide and updates are provided throughout the process. They will even deal with the dealer direct to save you being the middle man. Approval and documents ready to sign within hours.
Meagan A.
Matt at iCredit has been awesome. The application and approval process was easy and very quick and the communication from Matt great.I would highly recommend this Company for their pain free and fast service.
Kerry S.
Christine from icredit was the only person i had dealt with that listened to exactly what i wanted, if it wasnt for christine, i wouldnt be driving my car, or be im a better position to be able to buy my first home in the next 2 years. Cant thank her enough and i give her a million stars, only deal with christine
Ethan L.
Lyn W.
Lachlan S.
Highly recommend the team at icredit very helpful with getting a loan.
Amanda B.
I can’t recommend Christine at iCREDIT enough. She went above and beyond for us to make sure we got the product we were after. She made the process so easy and at rates better than our bank. Thanks Christine!
Kim D
Kim and Scott were so accommodating and helpful and kept things smooth sailing the way through! They were patient and friendly 🙂
Teresa W.
Kim is absolutely fantastic!She always had good communication during the process.Everything was quickNo words for her efficiencies and dedication .Well done Icredit to have such a valued team 😊
Yazmina L.
Absolutely awesome company. Scott was amazing, made the process so quick and easy as was always around to help when needed. Got the car I've wanted for ages and in the colour I wanted. 100% recommend when looking to buy a car like I was. Appreciate it Scott!
Molly M.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
Christine From iCREDIT helped me get the car I wanted, she was so helpful and nice And it was quick, easy and low rate. She is absolutely fabulous at what she does, I highly recommend this lovely lady.
Alirra B.
Julie was professional and easy to talk to from the outset of our enquiry. She understood our needs and did a fabulous job finding the right loan for us. We had approval within hours and settlement within 3 business days. It was an easy and wonderful experience and we would recommend her services to anyone looking for a professional, experienced and skilled broker.
Anieve J
I would highly recommend Christine from iCredit. She is extremely professional in her work and always succeeds to beat any other competitors rate. She will go out of her way to listen and care for your needs in a loan. We have used Christine for various loans over the past few years and will continue to do so for years to come. Thanks Christine, you are a true gem!
Nathan
I cannot recommend Scott from credit enough! This is the second loan in a year Scott has helped me with and I couldn’t be happier with the service he provides.Nothing is too much trouble and my experience both times has been hassle free! Thanks Scott and Team!!
Racquel L.
A big thank you to Christine. Help me get my new 4WD Patrol within days at a better interest rate than the banks. Simply and stress free process. Cannot thank her enough.
Johnny O.
Kim Shelverton made the entire process so effortless and less stressful, nothing was an issue for her, she is very friendly and helpful. Thank you Kim for all your help.
Paul M.
Doing business with Kim was a breeze. Kept me informed throughout the process. Highly recommended 👌
andrea M.
Many thanks to Kim for her prompt and professional service organising finance for a machinery purchase. Nothing was too much trouble for her ,she made the whole process smooth and hassle free. Great job Kim , I will certainly recommend your services to anyone looking to make finance an easy experience
Paul M.
Awesome customer service and managed to get me a great rate on my personal loan. Highly recommend contacting the team at iCredit for your lending needs.
Steve W.
Big Thank you to Glen Giggins for helping me refinance my home loan. Thank you for your patience and keeping me informed during the tedious process. I have a much better interest rate and lower mortgage repayments! Cannot recommend Glen highly enough!
Jade L.
Christine helped us with our finance & we could not recommend her highly enough she answered every question we had went above & beyond to help us,Will be recommending her to everybody ! Thank you so much christene for the best customer service !
Hayley R.
Easy to deal with and very friendly staff. Fast turnaround time getting loans sorted
Daniel J
Great service & made so easy. Fast
Rebekah C.
I got my car loan processed and approved super quick, without any issues.AMAZING AND PROFESSIONAL
Eliza C.
Glen Giggins from the icredit team recently helped with the finance for the purchase of our brand new gooseneck through Peaceland Horse Floats and Goosenecks and he was wonderful!!! he made the whole process so easy and went above and beyond to ensure we got the lender that met our needs. Both Glen and the services he provides are Highly recommended
Tahliah P.
I cannot recommend Christine from iCredit highly enough. I had been dealing with another broker who had done nothing but talk for 2 weeks before I called her. It was a complicated loan because of self-employment and the fact I had borrowed nothing from anyone in 12 years. Christine was onto it asap and got it all done within a week. Everyone happy; No tears.
Rondell J.
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Loans from $5000

Marketing / Advertising

Invoicing Finance

Overdraft & Line of Credit

ATO / Tax Debt

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iCREDIT unsecured business loans are available throughout Australia, Melbourne, Sydney,  Adelaide, Hobart, Darwin and Perth, Gold Coast, Palm Beach, Burleigh Heads, Tweed Heads, Brisbane, Ipswich, Sunshine Coast, and Queensland Today!