Skip to main content Call Us

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:


Helping Businesses in Sydney get the Loans they Need

When the traditional lenders fail to realise your specific business needs, you need to partner with a company that offers more flexibility when it comes to Sydney business loans. Our track record as a lender that can provide businesses with finance when others can’t is second to none. If you require business finance and you’ve have been less than impressed with the stringent lending criteria enforced by traditional lenders, it’s time to contact the difficult loans specialists at Universal Finance. We pride ourselves on giving our clients what they need in order to finance the day to day to running of their businesses without the need for reams of paperwork asking for unrealistic financial records. All businesses are different and require different financial solutions for their unique needs and the team at Universal Finance know this. If you’re looking for tailor made business finance in Sydney, all you need to do is drop us a line and tell us what you need.

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.

FREQUENTLY ASKED QUESTIONS

Should I get an unsecured business loan Sydney?

There can be a lot of situations where an unsecured business loancould be useful. If you’re a temporary cash flow issue, or need to invest moneyinto your business, then an unsecured loan is one of the fastest borrowingoptions. Unsecured loans are very flexible, so can be taken out for a short orlong period, and the application process is easy. If you need the money, andare confident you can make the repayments, they may be a good choice for yourbusiness.

How can I get out of an unsecured business loan Sydney?

Our unsecured business loans are flexible, with terms from onemonth to seven years, but if you want to get out of your loan agreement beforethis ends, then Universal Finance give you the option for early repaymentwithout any penalties. If you are having financial difficulties and are havingtrouble paying back your loan, it’s best to contact your lender ASAP so thatyou can come to an agreement about repayments.

What’s the difference between secured and unsecured loans Sydney?

A secured loan is one that’s tied to a certain asset, which can be anything from land to real estate. If you default on the loan, then the lender may try to repossess these assets to make the money that they are owed. An unsecured loan doesn’t require any collateral, so processing the loan is usually a lot quicker, although you may have to submit some information online such as bank statements to show you can afford repayments.

The main advantage of a secured loan is that it you can usually borrow higher amounts, as lenders are willing to take on more risk. Some brokers will recommend secured loans to people who have poor credit, but at Universal Finance, we can source both secured and unsecured business loans for people with all sorts of bad credit such as past defaults.

How much can I borrow on an unsecured business loan Sydney?

Universal Finance can help you find unsecured business loans in Sydney for amounts from $5,000 to $300,000, and the maximum amount of loan available is calculated based on your monthly business income. Even if you have poor credit, we can source lenders with rates as low as 0.999% for your loan. If you need to borrow more, then we also offer secured business loans, with a number of different assets accepted. The best way to find out how much we can offer you is to simply give Universal Finance a call on (03) 9088 8369 for a free quote.