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Sydney’s Leaders in Fast, Unsecured Business Loans

Universal Finance brings Sydney businesses the best in unsecured loans. We specialise in difficult finance and can help you regardless of your bad credit or lack of documents. We have developed a fast, versatile solution that helps you make decisions and invest in the equipment and services your business needs to succeed, both in the long and short-term.

We have an experienced team of investors who will ensure you receive a package designed specifically for your needs. We make commercial finance a simple process and uncomplicated for our customers.

Unsecured finance delivered quickly to your Sydney business

Universal Finance has connections with a range of private investors and it enables us to offer finance where other lenders can’t. We have made it easier than ever to what you need quickly and easily, ensuring that you can manage your cashflow, refresh your inventory, expand your product range, rebrand your business or do whatever you need to at the right moment, without worrying about your past financial mistakes.

Business loans, home loans and more from our experienced lenders

Universal Finance is committed to helping businesses throughout Australia achieve their business goals. We have a wide range of borrowing options and we work with you to understand your ambitions and tailor a package to suit your individual requirements.

Our interest rates start as low as 0.999% per month, which is the lowest rate in Australia. Settlement occurs within 24-48 hours for most loans and there are no upfront fees.

Other advantages of our loans include:

  • Easy online application process.
  • Bank statements submitted electronically.
  • No tax returns or financials required.
  • No doc/Low doc income verification.
  • Unlimited defaults/bad credit acceptable and ignored.
  • No penalty for early loan repayment.
  • No security required.
  • Flexible loan terms of one month up to seven years.


When it is time to fund your loan and finalise the details, it is all completed electronically in a matter of minutes.

We offer financing to businesses of every size throughout Sydney and our products include:


Get in touch with our team to find out what we can do for you

For further details about any of our loans, please don’t hesitate to contact us today. Our investors will be happy to answer your questions and tailor a finance package to suit your specific requirements. Call us today on (03) 9088 8369 to speak directly or leave your details in our online enquiry form and we will get back to you shortly.