An unsecured business loan can be used for purchasing equipment, hiring staff, marketing, expanding operations, or managing cash flow. It offers flexibility to support your business growth without the need for collateral.
About Unsecured Business Loans
Stratton Finance recognises that small businesses often possess great growth potential but may lack the assets to secure a traditional business loan. That's why we offer expansive unsecured business finance options tailored to your needs. Whether you're looking to invest in new equipment, hire additional workforce or simply expand operations, our unsecured finance option is an ideal solution.
Our team of experienced Australian-based brokers are backed by our extensive panel of 40+ lenders, offering access to unsecured business loans with flexible repayments that may be customised according to your financial circumstances and business goals. Our commitment is not just to find you unsecured business loan options but to establish a repayment structure that supports sustainable growth for your business.
Try our easy commercial loan calculator to estimate the finance repayments for your potential investment, or use our quoting tool to explore the various rates and repayment plans offered by our panel of lenders.
You’ll be matched with a dedicated broker who will be your single point of contact throughout the process. They’ll take the time to understand your commercial purchase plans, personal details, work history, income, and expenses, helping to create a tailored preliminary assessment for your finance needs. They will then present options tailored to your budget and financial goals.
With Stratton Finance by your side, navigating unsecured business financing becomes simpler and less daunting. Let us assist you in unlocking new possibilities for growth with an unsecured business loan today!
Am I Eligible?
Eligibility for an unsecured business loan depends on your business’ circumstances and each lender's criteria. Partnering with Stratton gives you access to a broad network of lenders offering flexible terms. Your dedicated broker will guide you through the process, helping you explore options and secure financing suited to your needs.
Examples of assessed criteria may include:
- Your business status
- How long you’ve been operating or holding an ABN
- Your credit history – We handle this
- Your residency status
- Your financial history
- Your assets, liabilities, expenses and savings
Benefits of Unsecured Business Loans with Stratton
Anytime, Anywhere, Anyhow
Stratton Finance provides you with the convenience to decide how you want to proceed with your commercial finance application process. You can choose to speak with our dedicated local team members or apply online.
Financial Flexibility
Our lenders provide a range of flexible options, such as no fees for early termination, varying loan terms, and the option to include a residual/balloon payment.
Lifetime Support
Stratton Finance is here to assist you throughout the duration of your loan. Whether you need help determining your outstanding balance, updating your details, or evaluating your changeover options, we're always ready to help.
Why Choose Stratton For Commercial Finance?
Award-Winning Brokers
Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!
We Have Unmatched Experience
With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Commercial Finance Options
We can assist with a variety of commercial finance options:
The Awards
A leading Australian Finance Broker with proven experience you can trust
Our Lenders
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Our Process: Simple and Transparent Commercial Financing
From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over 40 lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Frequently Asked Questions About Commercial Finance
The key difference is collateral. Secured business finance requires you to provide an asset, such as property or equipment, as security for the loan. In contrast, unsecured business finance doesn’t require collateral, which makes it more accessible, but it often comes with higher interest rates.
Interest rates are higher for unsecured business loans because the lender takes on more risk by not requiring collateral. Without an asset to secure the loan, lenders charge higher rates to compensate for the increased potential risk.
Unsecured business finance is ideal for small to medium-sized businesses that need quick access to funds but may not have substantial assets to offer as collateral. It suits companies looking for short-term financing to support growth, manage cash flow, or cover unexpected expenses.