Business Finance Solutions for Australian SMEs (Non-Bank)
Accrutus Capital delivers fast, flexible non-bank business finance solutions. We fund Australian SMEs with facilities from $50K to $5M, with indicative approval in 1–3 days and funding in 4–10 days once documentation is completed.
Unlike banks, we assess cashflow and trading history instead of relying on property security. Our goal is to give growing businesses quick access to working capital so they can seize opportunities, clear ATO obligations, and expand with confidence. Updated September 2025.
Unsecured Working Capital
Fast non-bank small business loans from $100K to $5M. Fixed and LOC. Rates from 6%
Invoice Trade Finance
Turn customer invoices into cash in 48 hours. Extend supplier payments to 120 days
Business Cash Advance
Based on current and future sales to ease daily cash flow constraints
Secured loans from
6.50%
Indicative rates per annum based on our lending partners non-bank business loans. It may not necessarily indicate the actual cost of finance. LVR, post code & lending criteria apply. .
Unsecured loans from
11.75%
Indicative rates per annum based on our lending partners non-bank business finance. It may not necessarily indicate the actual cost of finance. Assesed on credit score, industry, time trading & cash flow.
Credit Line from
14.95%
Indicative rates per annum based on our lending partners non-bank business loans. It may not necessarily indicate the actual cost of finance. Assesed on credit score, industry, trading history, cash flow.
Asset loans from
7.39%
Indicative rates per annum based on our lending partners non-bank business loans. It may not necessarily indicate the actual cost of finance. Assesed on credit score, new or used, type of asset, loan terms, LVR.
Invoice Trade
2.0%
Indicative rates on invoice value as per our lending partners non-bank business criteria. It may not necessarily indicate the actual cost of finance. Assesed on invoice type & trading terms, industry, local or global supplier.
Higher Risk from
29.95%
Indicative rates per annum based on our lending partners non-bank business finance. It may not necessarily indicate the actual cost of finance. Assesed on credit score, time trading, industry, cash flow.
Unsecured Alternative Loans
Understanding Alternative Business Funding in Australia
Non-bank business finance provides SMEs with fast, flexible funding solutions without relying on property security or lengthy bank approval processes. Alternative or non-bank finance refers to any form of funding sourced outside traditional banks.
Non-Bank Finance Products
- Unsecured business loans
- Merchant cash Advance
- Unsecured line of credit
- Trade & Invoice finance
- Equipment or asset funding
- Short-term bridging loans
- Peer-to-peer (P2P) lending
Non-Bank Finance Solutions
- Higher approval rate for small business owners. Lo Doc options
- Flexibility in loan size, eligibility, and repayment structures
- No security for loans under under $200K
- Non-bank lenders focus on speed, easy application process, and future business potential
Non-Bank Considerations
- What type of loan facility suits your cash flow?
- Compare the benefits of secured versus unsecured borrowing.
- Can your business service the higher cost of unsecured debt in the short-term?
- Is a bank overdraft better in the long-term?
Non-Bank Commercial Loans
Unsecured Alternative Loans
Consider
Choose
Compare
Non-Bank Finance Options for Growing Businesses
SMEs use unsecured loans for expansion, hiring, equipment, or bridging ATO obligations. Non-bank lenders typically assess confirmed turnover and profitability, future income, over property security.
Non-bank business finance supports a fast and flexible solution with minimal documentation. By choosing alternative loans, you can avoid the need to risk your assets, allowing for greater flexibility. It is essential for businesses to demonstrate 12 months trading history and maintain a clear credit score when applying for unsecured loans.
Consider other sources of alternative capital via debt or equity from private investors.
How to Choose a Non-Bank Business Lender
Compare loans based on approval speed, loan size, repayment flexibility, and industry fit. Work with accredited providers to avoid predatory lenders.
Compared to secured loans backed by assets like real property, vehicles, or equipment, the interest rates are notably higher for large sums borrowed over shorter periods, with interest being compounded.
Alternative lenders can offer finance to businesses when they need urgent funds, have a limited credit history, and are unable to satisfy the rigid document requirements expected of banks. Due to the increased risk they assume, additional fees for set-up, administration, or early repayment may be imposed. These costs need to be considered as they can quickly impact profit margins.
Comparing Non-Bank Providers in Australia
Understanding how to effectively utilize unsecured alternative loans and manage your cash flow is crucial for success.
Banks vs non-banks:
- Banks: slower turnaround, usually require security.
- Non-banks: faster processing, flexible, mostly unsecured.
Call 07 3184 9183
How our Business Finance Process Works
- Apply Online – complete a quick pre-qualification form to qualify
- Indicative Approval – require12 months business bank statements, plus other documents such as invoices, purchase orders, other loan committments, ATO payment portal, A & L if requested
- Accept the Offer – electronic signature to proceed
- Settlement – funds released in 4-10 business days
The non-bank business finance process is designed to be fast and efficient. Apply online, get indicative approval within days and receive funds within weeks to boost your business growth.
Business Finance FAQs
How fast can I get non-bank business finance?
Most SMEs are funded in 3–10 days with all completed documentation.
Is working capital finance tax deductible?
Yes, all loan interest is typically tax deductible as a business expense.
What are the alternatives to a bank overdraft?
Invoice finance, trade finance, and unsecured working capital loans.
How much can I borrow as an SME in Australia?
From $100K–$5M depending on confirmed revenue, industry sector, other loan commitments, term and loan type.
Non-Bank versus Bank Business Finance
| Criteria | Banks Traditional | Non-Banks Lenders |
|---|---|---|
| Approval Time | 4 - 12 Weeks | 3 - 10 days |
| Security Required | Property Assets | Confirm Cash flow / Lo Doc |
| Loan Amounts | Strict Servicing | Combined solutions to service loan |
| Flexibility | Low | High flexibiity tailored to business growth |
Non-bank finance offers faster approvals, minimum property security, and tailored funding solutions. Making it compared to banks.
Business Finance Success Cases
Importer secured $2M trade finance in 7 days
Retail SME advanced 90% of invoices in 48 hours
Construction firm accessed equity to fund payroll obligations
Fast Approval for Non-bank Business loans $100k to $5M
- ABN and confirmed evidence of 12 months trading
- Electronic upload of business bank statements
- Commitment schedule of all business liabilities
- Good credit score 500 plus
- 100 PT identification for all business owners & guarantors
- Asset & Liability statement for applications above $200K
- Proven exit plan if requested
After 1 July 2025 taxpayers will no longer be able to claim an income tax deduction for ATO interest charges. Get your ATO debt in order now!
Ready to Access Non-bank Business Finance?
This is not an application, no credit check.
