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Can I get a small business loan in Australia without property security?

Yes - Velociti Capital offers unsecured small business loans from $5,000 to $350,000 with no property security required. Eligibility is based on your business cash flow rather than assets. You need a valid ABN, 6+ months trading history, $5,000+ monthly revenue, and 6 months of bank statements. Choose from 3-12 month terms with weekly or monthly repayments. Approval decisions are made within 2-5 hours.

Small Business Loans

Flexible funding for established SMEs

Small business loans from $5,000 to $350,000 with flexible 3-12 month terms matched to your cash flow. No property security required. Approval decisions in 2-5 hours and same-day funding for applications submitted during business hours.

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Australian small business owner in their workplace

Same-day funding

2-5 hour approval

$350K
Max loan amount
2-4 hrs
Approval decision
Same day
Funding speed
0%
Property security
  • Trusted by 1,000+ Australian businesses
  • 256-bit SSL secured
  • Australian-owned
  • Transparent pricing

Why small business loans

Built for how SMEs actually operate

Speed, flexibility, and a cash-flow-first assessment - not a property valuation and a three-week wait.

Flexible assessment

Approval based on recent cash flow and trading performance - not property, credit score, or years of books.

  • 6+ months trading is enough
  • Past credit issues considered in context
  • Decision in 2-5 hours

Terms that match your cash flow

Choose the repayment cadence and term length that fits how your revenue actually lands each week or month.

  • 3-12 month terms
  • Weekly, fortnightly or monthly repayments
  • No early repayment penalties

No property security required

All small business loans up to $350,000 are not asset backed. Your property and equipment stay out of the security pool.

  • Up to $350K unsecured
  • Director guarantees only
  • Minimal documentation

Use cases

Flexible small business loan options

One product, many shapes. Here's how established Australian SMEs typically put the funds to work.

Strategic growth

Fund long-term business development and expansion with capital that keeps pace with momentum.

  • Market expansion
  • Asset acquisition
  • Team development
  • Systems implementation

From

$5,000

Up to

$350K

Terms

3-12 mo

Equipment finance

Upgrade or purchase new equipment without tying up assets.

  • Machinery purchase
  • Vehicle finance
  • Technology upgrades

Business growth

Capital for the next stage of growth when momentum matters.

  • New location setup
  • Inventory expansion
  • Staff hiring

Velociti vs traditional banks

Small business loans vs traditional options

Compare the core terms side by side. The differences show up most clearly in speed and security.

Feature Velociti Traditional banks
Property security Not required Usually required
Approval decision 2-5 hours 2-6 weeks
Funding speed Same day 1-2 weeks after approval
Term length 3-12 months, flexible Fixed multi-year terms
Application time 2 minutes, online 30+ minutes, in branch
Early repayment No penalties Often penalised
Imperfect credit Considered in context Usually declined
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How they work

How a small business loan works with Velociti

A small business loan from Velociti is a lump-sum facility between $5,000 and $350,000, repaid over 3-12 months on a weekly, fortnightly or monthly schedule. You submit a 2-minute online application, provide 6 months of bank statements, and our team assesses your cash flow rather than your property portfolio. Most complete applications receive a decision within 2-5 hours.

Because these loans are not asset backed, you keep your property and equipment off the security register. Directors typically provide a personal guarantee, but there's no valuation, no caveat and no weeks-long legal process. Once you accept the offer, funds land in your business account the same day for applications received during business hours.

This structure suits established SMEs that need capital to move quickly - to fund inventory, bridge a receivable, hire ahead of a contract, or invest in growth. The short term keeps total cost contained and the flexible repayment cadence means payments line up with how your revenue actually lands.

Eligibility

Who qualifies for a small business loan

Four simple criteria. If your business ticks all four, you can apply in under two minutes.

Active Australian ABN

Sole traders, partnerships, companies and trusts are all eligible. Your ABN must be registered and active.

6+ months trading history

We assess the last 6 months of bank statements to understand your revenue patterns and cash flow rhythm.

$5,000+ monthly revenue

Consistent monthly turnover of at least $5,000 demonstrates the cash flow needed to service repayments.

Australian-based operation

Your business must trade in Australia. We serve SMEs across every state and territory.

Industries

Industries we support

Tailored small business funding across every major Australian industry.

Retail & eCommerce

Hospitality & Tourism

Construction & Trades

Professional Services

Healthcare & Medical

Manufacturing

Transport & Logistics

Agriculture

FAQ

Frequently asked questions

Common questions about small business loans in Australia.

What is a small business loan and how does it work?
A small business loan is financing designed for Australian SMEs, ranging from $5,000 to $350,000. You receive a lump sum that's repaid over 3-12 months through fixed weekly or monthly payments. Velociti Capital offers not asset backed small business loans, meaning no property collateral is required - approval is based on your business cash flow and trading history.
How much can I borrow with a small business loan?
Velociti Capital offers small business loans from $5,000 to $350,000. The exact amount depends on your business's monthly revenue, trading history, and cash flow patterns. Most established businesses with consistent revenue can qualify for these amounts based on their cash flow performance.
What are the eligibility requirements for a small business loan?
To qualify, you need: an active Australian ABN, minimum 6 months trading history, at least $5,000 in monthly revenue, and an Australian-based business. You'll provide 6 months of bank statements for assessment. Unlike banks, we don't require property security or perfect credit history.
How long does it take to get approved for a small business loan?
Velociti Capital provides approval decisions within 2-5 hours for complete applications submitted during business hours. Once approved, loan agreements can be signed electronically, and funds are typically deposited within hours, making it significantly faster than traditional bank loans.
Do I need collateral or security for a small business loan?
No, Velociti Capital's small business loans up to $350,000 are not asset backed. This means you don't need to provide property, equipment, or other assets as security. Your loan approval is based on business performance and cash flow, not physical collateral.
What can I use a small business loan for?
Small business loans can be used for virtually any business purpose including: working capital, inventory purchases, equipment upgrades, marketing campaigns, staff hiring, seasonal cash flow, business expansion, debt consolidation, or emergency expenses. The funds are unrestricted once approved.
What are typical interest rates for small business loans?
Interest rates vary based on loan amount, term length, and business risk profile. Velociti Capital provides transparent pricing with all fees disclosed upfront in your loan offer. Rates are typically higher than secured bank loans but reflect the speed, flexibility, and no-collateral nature of the product.
Can I get a small business loan with bad credit?
Yes, many businesses with imperfect credit history are approved. Velociti Capital focuses primarily on your current business performance and cash flow rather than past credit issues. While credit history is reviewed, it's not the primary factor. Strong recent trading can offset previous credit challenges.
What documents do I need to apply for a business loan?
For loans up to $150,000, you only need 6 months of business bank statements. For larger amounts, we may request additional documents like tax returns or financial statements. The application process is designed to be simple with minimal paperwork.
Do I need to provide security for a Velociti Capital business loan?
No property security is required for business loans up to $350,000. We offer not asset backed business loans based on your business performance and cash flow. Directors may need to provide personal guarantees as standard practice.
What industries does Velociti Capital serve?
We serve all major Australian industries including construction, retail, hospitality, healthcare, professional services, transport, manufacturing, and more. As long as you have a registered Australian business with consistent revenue, we can help.
How do repayments work?
We offer flexible repayment options - weekly, fortnightly, or monthly - tailored to match your cash flow. Repayments are automatically deducted from your nominated business bank account. You can choose the frequency that works best for your business.
What's the difference between Velociti Capital and traditional bank loans?
Unlike banks that can take weeks or months, we approve loans in hours and fund within the same day. We have more flexible eligibility criteria, require less documentation, and focus on your recent business performance rather than just credit history. Our process is 100% online with no branch visits required.

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Ready to take your business to the next level? Apply for small business funding from $5,000 to $350,000 with flexible terms and same-day funding.

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