Lower
interest rates
Interest-only
repayments
Can be used as
bridging finance
Ideal for long-term growth and refinancing
Unsecured Business Term Loan?
Who Is It For?
- Fund major projects or expansions
- Refinance existing loans with better terms
- Use as a short-term bridge between funding needs
- Starts up businesses
- Lower ongoing repayments while managing long-term investments
Typical Uses
- Investing in new equipment or machinery
- Growing office, retail, or warehouse space
- Financing large-scale projects or expansions
- Covering cash flow gaps during growth
- Consolidating existing debts
Let’s get your business moving
Common questions answered
How quickly can I get funded?
How much can I borrow?
We can help secure funding from $5,000 up to over $1 million, depending on your business needs, structure, and turnover. Whether you’re after a short-term cashflow boost or large-scale expansion finance, we’ll match you with the right lender and product to suit your goals.
Do I need property to apply?
Not necessarily. Finect offers both secured and unsecured finance options. Many of our clients access funding purely based on their trading performance, while others choose to use property or assets to unlock higher limits and sharper rates. Our team will guide you on the best option for your situation.
Can you help if I have bad credit or ATO debt?
Yes. We take a common-sense approach to lending and understand that credit scores don’t tell the full story. Whether you’ve got an ATO debt, missed payments, or past defaults, we’ll look at your business performance today and find a solution that fits. If the business makes sense, we’ll make it happen.
What industries do you work with?
We work with businesses across all industries — from trades, transport, and construction to hospitality, retail, e-commerce, and professional services. Our network of lenders covers a wide range of business types and cashflow cycles, so we can tailor finance to how your business operates.
How long does the process take from start to finish?
The online application takes just a few minutes to complete. Once submitted, you’ll usually receive your first offer within 24 hours. Depending on the facility type, funding can occur in as little as 1–2 business days. For larger secured loans, settlement typically occurs within 3–5 business days after approval.
Will applying affect my credit score?
No — not at the start. Your initial application through Finect involves a soft check, which doesn’t impact your credit score. A formal credit check only occurs if you choose to proceed with a lender and give consent, ensuring you can explore options risk-free.
Are there any upfront or hidden fees?
No hidden fees. We believe in transparent, upfront pricing — you’ll always know what you’re paying before you commit. Fees and costs (if any) are clearly outlined in your offer so there are no surprises down the track.
Can I apply if I’m a start-up?
Yes, we regularly help new and early-stage businesses access funding. While newer businesses may need to show basic trading history or projected cashflow, our team specialises in low-doc and alternative finance options designed for start-ups ready to grow.
Why should I apply through Finect instead of directly with a lender?
Applying directly with a lender often triggers a hard credit check, which can impact your credit score — even if you’re just exploring your options.
When you apply through Finect, we compare multiple lenders and products on your behalf using soft checks only, so your credit file stays unaffected until you decide to proceed.
We also know which lenders move fast, who handles specific industries best, and what documentation they’ll need — saving you time, stress, and unnecessary credit inquiries.