Short-term Business Finance

Unsecured Business Loans from $100K to $1 million.

No Security

100% business revenue lending. No collateral. Protect your assets

No Financials

Electronic upload of business bank statement for last 12 month trading history

Non-bank Alternatives

Flexible loan terms 6 to 60 months. Multiple Options from 12% pa

Short-term business finance

Benefits of Unsecured Business Loans

Access unsecured business loans through Accrutus Capital to support your daily operations. We offer cash flow loans, lines of credit, and quick pre-payment of invoices. Due to the high risk factor for the lender, interest rates on short-term business finance is higher than the Banks and range from 3 to 24 months. These alternative lending options cater specifically to the needs of the small business market.

Types of Short-term Business Finance


  • Unsecured business loans
  • Merchant Cash Advance
  • Unsecured line of credit
  • Trade Finance facility

Advantages of Unsecured Loans


  • High approval rate for small business owners, No security is required, protecting your assets.
  • New businesses under 2 years benefit with solid trading history, No financials needed.

Compare Short-term Business Finance


  • What type of loan facility suits your cash flow?
  • Can your business service unsecured debt?
  • Benefits of secured and unsecured loans.
  • Is a bank overdraft best in the long-term?

How to Qualify for Unsecured Business Loans?

  1. ABN and solid evidence of trading over 12 months
  2. Electronic upload of 12 months business bank statements
  3. Notification of other unsecured business loans outstanding
  4. Good credit score 500 plus
  5. 100 PT business owner identification
  6. Asset and Liability statement for applications above $200K
unsecured business loans hospitality
Unsecured Business Loans Agri-business
Unsecured business loans medical
unsecured business loans beauty

Working Capital Enquiry for
$100K to $1 million

    A valid company name or ABN number is required
    This is filled automatically

    This is not an application, no credit check.

    We can help

    We can help

    Cannot provide collateral

    We can help

    No Pre-sales

    We can help

    Cash Flow is seasonal

    We can help

    Shipping or supplier delays

    We can help

    Its good to plan

    Short-term Business Finance

    The Good

    The Bad

    The Plan

    Is accessing short-term loans good for your business?

    At Accrutus Capital, we believe that short-term business finance offers a convenient solution with minimal requirements. By choosing unsecured loans, you can avoid the need to risk your assets, allowing for greater flexibility. It is essential for businesses to demonstrate a solid trading history and maintain a decent credit score when applying for these loans.

    Short-term loans can be utilized for various business purposes and are particularly beneficial for new business owners. We recommend finding a lender that offers payment schedules that align with your needs, whether daily, weekly, or monthly, and exploring options for adjusting the payment terms if necessary.

    It is crucial to ensure that your business can comfortably afford the repayments to preserve your good credit rating. Let Accrutus Capital help you navigate the world of short-term business finance and find the right solution for your needs.

    What is the Cost of Short-term Finance?

    The high cost of short-term business finance, particularly unsecured loans without collateral, can pose a significant downside.

    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.

    Potential borrowers should carefully weigh the benefits against the costs before opting for short-term business finance.

    The Short-term Business Plan

    Understanding how to effectively utilize unsecured business loans and manage your cash flow is crucial for success. Your financial plan should encompass a variety of funding options to accommodate daily, weekly, or monthly repayments based on the type of funding obtained.

    While reputable short-term lenders assess approval based on your business’s cash flow, ultimately, it is your responsibility to oversee the cash flow balance to ensure optimal financial management of your short-term business finance strategy.

    At Accrutus Capital, we understand the importance of good planning when it comes to short-term business finance.