Unsecured business loansled by turnover.

Most business owners looking for finance are asked for security first: property, equipment, or a personal guarantee wrapped around a specific asset. An unsecured business loan works the other way around. We start with turnover, how long you have been trading, and what the funds are for.

TurnoverLoans.com is built for Australian businesses that need a useful amount — $50,000 to $3 million — without turning the application into a collateral exercise. If that is the problem you are trying to solve, see if you qualify →.

What “unsecured” means here

Unsecured means the qualification check does not ask you to nominate property, vehicles or other assets as security. The business still needs to make sense: a real ABN, a trading history, and a purpose for the funds. Assessment still happens. What drops out is the assumption that you must pledge something before the conversation can start.

That is the same idea as business loans with no collateral. If you have been turned away because the business does not own property, this is the product shape to look at.

Who these loans are for

Companies, sole traders and trusts can all start the check. Sole traders are not a special case we ignore — they are a structure we already ask about. What matters more than the structure is whether the business is trading and generating turnover.

Owners typically come to us when they need funds for:

• Equipment and plant
• Fitout or renovations
• Inventory and stock
• Working capital and supplier payments
• Consolidating existing business debt

How much, and on what basis

The published range is $50,000 to $3 million. Where you sit in that range depends on the business, not on a rate card published on this page. How much you could borrow from turnover is the better place for that question. The short version: monthly turnover is the main input, and the qualification check returns an indicative maximum subject to assessment.

What you need to get started

Have an ABN, a sense of monthly turnover, how long you have been trading, and a clear use of funds. GST registration, industry and business structure are part of the same short form. How to qualify for a business loan walks through those questions in order.

The initial check asks for business and contact information only. It does not require an account, and it is not a credit-score experiment you run for curiosity. If later checks are needed, they are explained before they happen.

If an imperfect credit history is the reason you are researching the product, read business loans with bad credit. The first check starts with turnover and trading history, but any eventual funding remains subject to assessment.