Unsecured business loans
A lump sum repaid in regular instalments over an agreed term. Commonly used for:
- Truck and trailer repairs, tyres, rego and insurance
- Taking on a new freight contract or hiring drivers
- Tax bills or unexpected costs
- Marketing, fit-outs and growth projects
Unsecured business overdrafts
A credit limit linked to your business account. Draw down what you need, repay when cash comes in, and draw again. Interest is generally charged only on the amount you use. Well suited to:
- Smoothing out slow-paying freight customers on 30–60 day terms
- Seasonal or lumpy cash flow
- Covering fuel, wages and supplier payments between invoices
Features & Benefits
Custom Limits
Flexible Repayment
Fast settlement with minimal paperwork.
All customer segments are covered, including New Ventures
Frequently Asked Questions
The lender doesn’t take your home, property or equipment as security. Lenders usually rely on your business’s trading performance instead, and a director’s guarantee may still be required.
A loan gives you a lump sum repaid over a set term. An overdraft gives you a limit you can draw on and repay as your cash flow allows.
It depends on your turnover, trading history and the lender. We’ll give you a realistic picture once we understand your business.
Some lenders can decide quickly once all documents are in. We’ll tell you the expected timeframe for your application.
We assess your situation manually before anything goes to a lender, and no credit check is done without your consent. See our Credit Check page for more.
Need working capital?
Call (03) 9324 7971 or 0425 458 511, or Get A Quote.
Related: Overdrafts or Lines of Credit · Cash Flow Lending · Truck & Trailer Sale and Lease Back · Fleet Customers
*Subject to lender approval, credit criteria, fees and charges. Terms and conditions apply.