Unsecured Business Loans
Access funding without putting up property as security. Our unsecured business loans are based on your cash flow and trading history, with fast approvals and flexible terms.
Key Features
No Property Security
Approval based on business cash flow
Fast Approval
Same day decisions available
Up to $500K
Significant funding without collateral
Flexible Terms
Terms from 3 months to 3 years
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFunding Without Property Security
Not every business owner wants to - or can - offer property as loan security. Unsecured business loans provide an alternative path to funding based on your business performance and cash flow.
Lenders assess your trading history, bank statements, and revenue patterns to determine how much you can borrow and at what rate. This makes unsecured loans faster to arrange than traditional secured lending.
When Unsecured Makes Sense
Unsecured loans are ideal when you need funds quickly, do not want to tie up property equity, or simply do not own property suitable for security. They suit established businesses with consistent cash flow.
While interest rates are typically higher than secured loans, the speed and simplicity often outweigh the cost difference for short to medium term funding needs.
Discuss Your Unsecured Business Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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Start your application today and get a response within 24 hours from our finance specialists.