Unsecured Business Loans

Unsecured business loans up to $1m, funded in 24–48 hours

Get between $5,000 and $1,000,000 paid directly into your account with minimal documentation, and without putting your home on the line.

Get a free quote Call 0401 132 581

Fast, easy business finance with minimal documentation

Does your business need a cash flow boost, or extra funding for an urgent problem or opportunity? Waiting 4–6 weeks while a bank goes through everything isn’t always an option.

Peak Capital helps Australian business owners get quick access to unsecured finance. After a simple assessment, you can have up to $1,000,000 transferred to your account, with minimal documentation, no property security, and without ever stepping into a bank. We compare 100+ lenders to find the right loan and negotiate the terms for you.

Why choose an unsecured loan

No assets at risk

Fund your business without using your home or other property as security.

Funding in 24–48 hours

After a quick assessment, funds can be in your account within days.

Minimal documentation

Often just bank statements and ID for smaller loans.

$5k to $1m

Borrow what you need, based on your turnover and trading history.

Flexible use

Stock, equipment, marketing, hiring, expansion or cash flow.

100+ lenders compared

We find the lender that fits, rather than the first one that answers.

Who unsecured loans suit

Established businesses with at least 6–12 months of trading
Owners who don’t want to use property as security
Businesses that need funds quickly
Growing businesses funding stock, staff or new sites

A recent deal

Health & Fitness · Melbourne

$600k unsecured business loan, settled in 4 weeks

A growing gym group was ready to expand interstate but didn’t want to tie up property as security or slow down the rollout. We prepared the business’s trading story, approached unsecured lenders that understand membership-based businesses, and secured $600k with no property security.

How it works

Talk to us

A free 15-minute call to understand your business, your goals and your current position.

We find the structure

We assess options across 100+ bank, non-bank and private lenders and recommend the best fit.

We manage it to settlement

We prepare the application, negotiate terms and handle the lender until funds are in place.

Common questions

Do I pay for your service?

Yes. There is an engagement fee paid when you select our services, and a success fee paid on successful completion of your loan funding. We explain all fees upfront before you proceed.

How much can I borrow unsecured?

Between $5,000 and $1,000,000, depending mainly on your turnover, time in business, cash flow and credit history. Read our guide.

How fast is funding?

Many unsecured loans fund within 24–48 hours of receiving your documents. Larger loans may take longer.

Do I need to provide a personal guarantee?

Usually, yes. Directors generally provide a personal guarantee, even though no property is taken as security.

Will it affect my credit score?

We assess your options first and only submit an application once you’ve chosen a lender.

Get funded without the paperwork

Book a free 15-minute call. No obligation, no credit check.