Unsecured Small Business Loans

Rates From 0.5% per Month



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Business Loans Australia
Loans For

Unsecured Loans


Vehicle Loans & Leases


Trade & Import Finance


Commercial Real Estate Loans


Invoice Discounting & Factoring


Business Loan Calculators



How Our Unsecured Business Loans Work

Business Requirements

  • Minimum 12 months in business
  • Minimum $5,000 in monthly sales


Loan Application Process

Once approved, cash:

  • Loans From $5,000 to $5,000,000
  • Business Funding 24hrs after final approval and verification



Easy Repayments

  • We agree a business loan repayment schedule that works for you
  • We collect a small fixed or % amount of sales until we are paid back

Don’t just listen to us, hear what our clients have to say about our small business loans

Merchant Cash will help you get the unsecured small business loan you need to grow your small business. We listen to our clients and provide the advice they need to succeed and grow.

I have used Merchant Cash twice – once to replace my brake diagnostics machine and once to buy parts in bulk. The business cash advance that they arranged for me was quick and easy. The best part is that they structured my unsecured small business loan to match my cashflows – which makes repaying my unsecured business loan easier.
Steve P, Automotive Repair Business, VIC
When my cool room and air-conditioner broke down in the same week, Merchant Cash approved my short term small business loan that day and had the money in my account 24 hours later. I wouldn’t be in business today if it wasn’t for them. I would highly recommend them to anyone looking for an Australian unsecured small business loan.
Melissa R, Restaurant Owner, NSW
We researched a number of different small business funding options across Australia. The banks would not lend to us, traditional overdraft was too expensive, and factoring was not suitable for my business.
Merchant Cash were always available on the phone and they found me the perfect unsecured working capital finance solution that we were seeking. I would highly recommend them to anyone looking for a small business loan.
Andrew C, Hotelier, QLD
We had almost exhausted all of our small business financing options until we came across Merchant Cash. Merchant Cash provided us a quick business cash advance to give our small business the much needed working capital loan we required. Thanks Merchant Cash – I will definitely recommend you to anyone requiring an unsecured business loan.
Rachel P, Hair Salon Owner, WA
When we were looking to install Solar Panels on our roof, we reached out to Merchant Cash. We now pay lease payments that are lower than our old power bills. We couldn’t be happier. If you are looking for someone to fund a solar PV panel loan or lease – I can highly recommend Merchant Cash
Hank C, Cabinet Maker, ACT
If you need a business loan with no security I can highly recommend Merchant Cash. Their staff are friendly and the process is really fast and easy.
Josh G, Ski Shop Owner, VIC
After being rejected by my bank for not having any security, I searched Business Loan Australia on google and found Merchant Cash. I used their Business Loan Calculator and then applied for my loan online. I had a call from Phil 5 minutes later, linked up my bank statements and was approved later that day. Overall I was very impressed – 5 stars!
Sarah K, Online Toy Retailer, SA
When I went online to Compare Business Loans, I found Merchant Cash. The interest rate on the commercial loan they found me was the best I had seen and the whole process was easy. The loan application was fast and the business loan repayments affordable for my company.
Steve S, Grain Exporter, Qld

Partner With Us

  • Do you have small business owner clients?
  • Want to add a passive income stream
  • Refer us clients that are looking for finance – and earn attractive referral fees
  • Contact us at info@merchantcash.com.au to get started