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Unsecured · No Property · PG Only

Business Loan -
No Security Required

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Business loans without pledging property, equipment or inventory as security - just director personal guarantees. $5k-$500k, approve in 24-72 hours.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Business owners who prefer to keep property, equipment and inventory unencumbered - trading off slightly higher cost for structural flexibility.

Don't own property or don't want to pledge it
Prefer to keep business assets free of lender charges
Have assets but want to preserve borrowing power elsewhere
Fast approval more important than lowest possible rate
Deal size under $500k (most no-security lending caps there)
Strong personal credit and trading history

The real challenge

Secured lending gives you the best rates but ties up your assets. For some situations - keeping balance sheet clean for a future equity round, preserving property equity for a specific future purchase, protecting operational flexibility - unsecured lending is worth the pricing premium.

Specialist unsecured lenders assess based on trading history, cash flow, personal credit and (always) director personal guarantees. No property, no PMSI over equipment, no inventory floor plan.

How Mortgagefy helps

No-security lender panel. We know the specialist Australian lenders who don't register any security beyond personal guarantees.
Fast decisions. No valuation, no PMSI registration - typically 24-72 hour approval.
Honest comparison vs secured options so you see the cost difference clearly.
Multi-facility structuring - combine no-security working capital with secured equipment finance if that's cheaper overall.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Fast call

15 min - amount, purpose, your trading and credit history.

Lender match

2-3 no-security specialists matched to your profile.

Approval

24-72 hours typical.

Settlement

5-7 days from approval.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

What does 'no security' actually mean?

No property mortgage, no PMSI over equipment, no inventory charge. Only director personal guarantees. Note: PGs are still a form of security - just over your personal assets, not business assets.

What's the cost difference vs secured?

Typically 2-4 percentage points higher than comparable secured lending. On a $200k loan over 3 years, that's roughly $8k-$16k more total interest.

Why would I take no-security when secured is cheaper?

Three main reasons: speed (no valuation delay), structural flexibility (business assets stay unencumbered for future financing or sale), and sometimes necessity (no property to pledge).

Can I get larger no-security loans ($500k+)?

Rare. Most no-security lenders cap at $300k-$500k. Larger amounts almost always require some form of security beyond personal guarantees.

What if my personal credit has adverse history?

Tighter. Clean personal credit is the primary gate for no-security lending. Minor historical adverse (paid defaults 2+ years old) is usually fine; unpaid defaults or recent bankruptcy are usually blockers.

Can I convert from no-security to secured later?

Yes - common refinance path. Once you've built equity or want to free up personal exposure, we can refinance from no-security to secured at better pricing.

Get your free no-security business loan assessment

No property, no PMSI, no inventory charges - just personal guarantees. 24-72 hour decisions, $5k-$500k.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loans Sydney

Unsecured, secured and multi-entity structures.

Low Doc Business Loan

BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Business Loan -No Security Required