FAQs

Unsecured business loans are becoming increasingly popular among Australian small businesses. It’s a versatile way to borrow money so you can grow your business – without having to offer up collateral.

A secured loan requires you to borrow against your assets, such as property, vehicles or inventory. It’s often a lengthy process that involves security checks and value assessments.

An unsecured loan doesn’t require any physical assets because it’s based on the strength of your cash flow. Whilst the sums are often smaller, the process is faster and the terms are simpler.

Unsecured loans are often the right choice for Australian SMBs compared to other financial products. The main benefits of unsecured business loans are…

• Simple Approval Process: Applications can be completed 100% online, delivering a fast turnaround.

  No Security Required: Unlike secured loans, collateral is not required as security.

  Assets Remain Protected: Lenders cannot seize your assets, giving you complete peace of mind.

  Flexible Credit Sums:APICKLE offers loans from $10,000 – $90,000.

  Fast Cash Release: Once your application is approved, funds can be in your account within 24 hours.

There’s no rule when it comes to loan types. The best product for you will depend upon the nature of your business. That’s why the lending team at APICKLE are always on hand to offer guidance and discuss whether an unsecured business loan is right for you.

Whilst all banks are different and their application processes vary – APICKLE makes approvals easier than ever. We’ve listened to the needs of small businesses and created a smooth and seamless approval process.

Whilst many banks require lengthy applications and proof of assets, you can apply for our unsecured business loans entirely online.

The process takes just minutes and funds could be in your account within 24 hours.

Our intuitive online business finance application will guide you through the process. All we need to begin with is your personal details.

We know that small business owners are busier than ever – which is why the APICKLE team is here to help – every step of the way.

Unsecured business loans are some of the most flexible financial services in Australia. They’re easier to access than many other loans and the approval process can be shorter.

They’re especially useful for businesses that don’t meet the lending criteria of the banks. Because no security is required, you won’t need to go through a lengthy application process or provide extensive documentation.

The right loan will help your business gain momentum and establish a path towards real growth. But beginning this process can be challenging when you have no credit or bad credit history.

Because APICKLE understands Australian small businesses, we work to make our unsecured business loans as accessible as possible.

Whatever your circumstances have been in the past, we believe in your ability to achieve financial success in the future.

We welcome you to make an application online today. And contact our team for further information on whether an unsecured loan is right for your business.

At APICKLE, we’ve created a custom business loan that’s based on your card sales.

Because unsecured business loans do not require asset security, the way to show your business can repay the loan is via your cash flow.

This means that if your business is tracking well, and you simply need a cash injection to continue this upward growth, then you could qualify for an unsecured business loan.

Our leadership team is comprised of Australias leading accountants and financial advisors, who are always on hand to discuss your circumstances.

To find out whether your business qualifies for an unsecured loan, apply online with APICKLE now

At APICKLE, we’re the small business direct lender that understands your needs better than the banks. Whilst their approval process and turnaround times may take weeks or even months, you’ll know the results of your APICKLE unsecured business loan application within hours.

We aim to notify you of the success of your unsecured business loan within just 24 hours. We can deliver the cash flow your business needs to grow – fast!!

Every business is different and your unique financial needs will determine the loan that’s right for you.

At APICKLE, our eligibility criteria is much simpler than many banks. We require:

• Minimum 6 months trading.
• Minimum $10,000 monthly turnover.

If your business meets these requirements, then you could be eligible for an unsecured business loan now.

The best way to find out is to complete an online application. The process takes just 10 minutes and funds are accessible within 24 hours.

There’s never been a better time for your business to benefit from a fast unsecured business loan.