Unsecured Business Loans
Free up cash flow—fast.
Key Features of Unsecured Business Loans
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Fast Approvals:
Many loans approved and funded in 24 hours.
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Low-Doc Process:
Bank statements are often all we need.
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Flexible Repayments:
Choose daily, weekly, or monthly to match your cash flow
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Use Funds Your Way:
Cover wages, invest in growth, or consolidate old debt
What is an Unsecured
Business Loan?
It’s fast funding that doesn’t require property or equipment — so you can move
quickly without tying up assets.
See if this is for you:
- You need funds now, but don’t want to offer property
- You’re growing and need extra working capital
- Your current loan is draining cash and needs refinancing.
What You Should Know About
Unsecured Business Loans
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Applications take 5 minutes over the phone
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You’ll need at least 6 months of bank statements
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We collect them via a secure, read-only link
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All paperwork is handled electronically — no printing or scanning
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How Do Unsecured
Business Loans Work?Tom runs a signage and manufacturing business.
His old loan was wrecking his cash flow — and stalling growth.
We refinanced him with an unsecured loan.
No property. Lower repayments. Quick turnaround.
A few weeks later, he launched a new campaign — and revenue took off.
Pros and Cons of Unsecured
Business Loans Work
Pros:
- No collateral needed — keep property and equipment separate
- Great for fast-moving opportunities
- Low-doc and fast — perfect when timing matters
Cons:
- Rates are higher than secured loans
- Many lenders require daily or weekly repayments
Similar Options to Consider
If this isn’t the right fit, these might be:
How Much Can I Borrow?
You can borrow $5,000–$500,000 without offering any property or asset security.
Limits depend on:
• Your monthly turnover
• Time in business
• Repayment capacity
Most lenders require a personal guarantee — not property.
FAQs
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Can I get a loan if my business is new?
Most lenders want at least 6 months of trading and $5k–$10k in monthly turnover. If you’re close, we may still have options.
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What’s the average interest rate?
Typically 12%–25% p.a. We’ll match you with the right lender based on your profile.
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Will I need a personal guarantee?
Yes. That’s standard for unsecured loans — no property needed, but lenders still want commitment.
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Can I repay early without penalty?
Some lenders allow early repayment without fees — others don’t. We’ll walk you through it.
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Is daily or weekly better for repayments?
Depends on your cash flow. Daily keeps repayments small and frequent; weekly gives breathing room. We’ll help you choose.
What Clients Say
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“We have used the financial arrangement services of Sean McHugh for quite a few years – not sure how many, but the past may be divided into the periods “before Sean” and “since Sean”. Since Sean, we have found arranging finance as required from time to time, mainly for working capital purposes, a straightforward experience. He checks out the best deals available and keeps us informed. Simple. We are very comfortable recommending Sean McHugh’s services.”
Chocolatier & Retailer
Need funds — without the paperwork headaches?
We’ll help you secure the right loan—fast, simple, and stress-free.
