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Every business borrows for a different reason, could be a cash flow gap, a stock order, an ATO bill, or an opportunity that won’t wait. Formation Finance arranges business loans from $5,000 to $500,000 (larger with guarantees) without property security, with indicative approval in as little as 3 business hours and funding as fast as the next business day.
Below is how our business loan options fit together. Pick the one that matches your situation and we’ll match the product to you.
| Your situation | Best fit |
|---|---|
| Don’t want to use property as security | Unsecured Business Loans |
| Running a small business and need working capital | Small Business Loans |
| Only need funds for 3–12 months | Short Term Business Loans |
| Need money this week | Fast Business Loans |
Borrow $5K–$500K based on your business’s cash flow — no property or major assets required as security. Assessed on bank statements and trading history, not real estate equity. Explore unsecured business loans →
Flexible working capital for cafés, retailers, trades, and service businesses — wages, stock, suppliers, equipment or growth. From 4 months trading history and $12K monthly revenue. Explore small business loans →
Funding for 3–12 month needs: seasonal stock, bridging a receivables gap, or clearing an ATO bill. Fixed repayments, no penalty for early payout. Explore short term business loans →
When timing is everything: 10-minute online application, bank statement verification instead of paperwork, indicative approval within 3 business hours, funds as soon as the next business day. Explore fast business loans →
Minimum eligibility: active ABN • 4+ months trading • $12,000+ monthly revenue
Typically $5,000 to $500,000 unsecured, business lines of credit up to $750,000, and up to $5,000,000 where director guarantees or partial security can be provided.
No, Our core business loan products are unsecured, see unsecured business loans for how assessment works without property.
Indicative approval within 3 business hours; funds as soon as the next business day. If speed is your priority, see fast business loans.
Terms start from just 3 months with no early repayment penalty — see short term business loans.
