Check Your Eligibility

Loan amounts, terms & repayments

Loan Amounts:

Up to $250,000 unsecured is standard. Higher amounts may be possible if you provide full financials.

Terms:

Typically 3–24 months, designed for short to medium-term needs.

Repayments:

Usually daily or weekly, aligned with cashflow cycles.

Use of funds:

Flexible—cover almost any business purpose, from payroll to stock, marketing to tax bills.

Unsecured facilities are tailored to suit your business’s revenue profile, so repayments are structured to minimise strain.

Loan Structure
Loan Structure

How the process works

Scenario discussion:

Outline what you need the loan for, your monthly revenue, and how much you’d like to borrow.

Quick documentation:

Provide 6 months of bank statements (and ID). That’s often enough for conditional approval.

Assessment & approval:

Lenders review your statements, trading history, and credit file (if applicable).

Indicative offer (~2 hours):

You’ll receive details of loan amount, term, repayments, and costs.

Final checks & signing:

After identity checks and paperwork, agreements are signed electronically.

Funding:

In most cases, funds are released within 24 hours of signing.

Documentation checklist

Required for unsecured loans up to $250k:

•6 months of business bank statements
•Photo ID of the business owner(s)
•ABN details; trust deed if applying via a trust

Optional for larger facilities (> $250k):

•BAS or financial statements
•Business tax returns

The streamlined documentation means you can apply without waiting on accountants or audits.

Loan Structure
Loan Structure

Why work with Ezy Pzy Finance?

1

Not a lender or broker:

We’re an introducer—our job is to connect you with the most suitable unsecured business loan lender for your needs.

2

Multiple finance options – with no upfront credit checks.

Many of our lenders can provide indicative finance options upfront, without running any credit checks.

3

Speed & clarity:

We streamline the submission process and keep communication clear so you know what’s next.

4

Specialised focus:

We work specifically with fast, low-doc business funding providers for Australian ABN holders.

5

Hands-on support:

We guide and streamline the process for you, saving you hours of work and saving you money through our extensive expertise and strong lender connections.

6

Consistency:

A dedicated point of contact ensures your case moves quickly from scenario to funds received in your account.

How It Works Illustration1
How It Works Illustration2

Ready To Secure Fast Funding For Your Business?

Whether you require funds for cashflow support, payroll, stock, or growth opportunities, Ezy Pzy Finance makes it simple. We’ll connect you to the right lenders who specialise in fast, low-doc finance. Approvals in as little as 2 hours, funding in as little as 24 hours.

Take the next step – with no credit checks to see your finance options and no-obligations, all it takes is just 60 seconds to check your eligibility. Click the button below to get started now.

Check Your Eligibility Now

FAQ's (Unsecured Business Loans)

What’s the maximum amount I can borrow unsecured?

Generally up to $250,000 without collateral. Larger amounts may be possible with financials.

Do I need property security for an unsecured loan?

No. These products are specifically designed to provide funding without using property as collateral.

What credit score do I need?

While credit is considered, lenders focus heavily on trading revenue and business performance, so a less-than-perfect score doesn’t automatically disqualify you.

How quickly can I get approved?

Conditional approvals can often be issued within 2 hours, with funds available in as little as 24 hours once agreements are signed.

How are repayments structured?

Repayments are typically daily or weekly, designed to align with your business cashflow.

Can startups access unsecured business loans?

If you have at least 6 months of trading history and $10k+ in monthly revenue, you may be eligible.

Are unsecured loans more expensive?

Yes, pricing can be higher compared to secured loans, since lenders take on greater risk. But the speed and flexibility often outweigh the additional cost.

What can I use an unsecured loan for?

Almost any business purpose: payroll, marketing, tax payments, stock purchases, supplier invoices, or equipment upgrades.