Unsecured Small Business Finance Up to $250k

Lending a helping hand to businesses who need it 

Small Business Loans Suitable For:

  • Equipment purchase
  • Assist with cash flow
  • Pay wages, tax or creditors
  • Expanding your business

Any Industry Can Apply:

  • Hair dressing salons
  • Pet and animal care providers
  • Sportswear shops
  • Aged care services
  • Import / export business
  • And many, many more !

100% Online Application

Best to complete this on a computer (PC or Mac is fine)

Step 1

Easy Application

100% online, takes minutes to apply

Step 2

Fast Decision

Apply today and
receive a decision within hours

Step 3

Grow !

90% of customers receive their funds
within one business day

Unblock Your Cashflow and Breathe Again

Extend your working capital for up to 12 months


What Is An Unsecured Business Loan ?

An unsecured loan is when the health of a business is used to determine creditworthiness, without the business owner needing to secure the loan by putting up an asset as security.

Larger banks tend not to offer these as the arduous paperwork, low returns and higher risks involved don’t make it worthwhile.

Many small business owners find themselves having to use an asset to secure a loan, or being declined.

How much can I borrow ?

The amount you can borrow is subject to your cashflow as well as the length of time you have been in business. We will happily lend you a percentage of your monthly cashflow in order to extend your business operations.

How Do I Apply ?

We’ve made it easy and fast. Simply click the apply button and complete our online form. All you need to have ready is your driver’s licence number and your business ABN.

You can choose to allow us to use an advanced bank verification system link to instantly verify your bank information online, in which case – have your main trading bank account details handy.

Alternatively, you can choose to upload copies of your bank statements. Please make sure you have three months of statements as PDF documents ready to upload.

Tell Me About How All This Works

We offer an unsecured loan of $5,000 to $250,000.

The term of the loan is between three and twelve months.

The cash-flow friendly repayments are either daily, weekly or fortnightly.

How are Cube Business Loans different from a traditional business loans?

You can apply for the Cube Business Loan in under ten minutes and receive a fast response – often as little as one hour.

The application is 100% online and funds can usually be provided the same business day.  Traditional business loans reference an interest rate per annum plus other fees and charges.

The Cube Business Loan details the total amount payable upfront inclusive of any interest, fees or charges that is then broken down into either a daily or weekly repayment figure.

How Fast Will I Get A Response ?

We can often provide a response in one hour – if you apply during standard business hours and allow us to use an advanced bank verification system link to instantly verify your bank information online.

If you choose to upload copies of your bank statements we can provide a decision in as little as one business day.

How Fast Will I Get The Money ?

We know growing your business is important, so Cube Business Loans will work hard to get money to you as soon as possible.

If you apply before 4pm on a business day (AEST) and your application is approved, we can usually have money in your account the same or next business day.

How Much Can I Borrow ?

The total amount of your loan will depend on the specific circumstances of your business.

The platform looks at a variety of factors to determine the health of your business and based on this information, Cube Business Loans may be able to provide you a loan amount up to $250,000.

How Do You Charge For Unsecured Business Loans ?

Cube Business Loans don’t charge interest because terms are usually less than 12 months.

Instead we offer a factor rate. A factor rate is expressed as a decimal figure not a percent.

It varies based on your industry, how long you have been in business, the health of your cash flow and other factors.

When a factor rate is used, interest is charged to the principal when the loan is originated, it doesn’t compound.

What Are The Fees ?

We know fees can be confusing so we made it simple and transparent – there are no hidden fees and the amount due from day one includes the establishment fee.

There are no additional fees (excluding any late payment or default fees) and no penalties for early repayment.

What Can The Cube Business Loans Be Used For ?

We’re totally committed to helping small businesses access the funds they need to grow.

Our fast flexible funding can be used for business renovations, marketing, to purchase inventory, new equipment, general working capital and much more.

Are There Any Penalties For Early Repayment ?

There are no fees for early repayment and no balloon payment at the end of your loan.

We are totally transparent with our customers about the total amount due and the date of the final payment.

Once you make the final payment your balance will be $0.

How Do Repayments Work ?

It’s important to offer you easy ways to pay back your loan.

To help you avoid missing repayments we offer daily, weekly or fortnightly repayments that are automatically deducted from your nominated business account.

What Is Asset Based Borrowing ?

Asset-based borrowing is when a business owner uses an asset they own to secure a loan.

The asset can be either a personal asset like the family home, or a business asset like a truck or piece of equipment.

The vast majority of lenders, including the big banks, tend to secure loans against an asset.

If you have trouble paying back the loan then your asset may be sold by the lender.

In essence it’s a way of securing new financing by using the value of what you already have.