How Much Can You Borrow with an Unsecured Business Loan in Australia?

One of the first questions SMEs ask when exploring finance is: “How much can I actually borrow?” It’s a fair concern. Applying for too much can risk rejection, while applying for too little may limit your growth.

The good news is that unsecured business loans in Australia typically range from $5,000 to $500,000, depending on your turnover, trading history, credit profile, and industry.

This guide explains the maximum unsecured business loan in Australia, the factors lenders consider, and real-world borrowing examples from different industries.

Loan Ranges in Australia

If you’re wondering how much you can borrow with an unsecured business loan, here’s the direct answer:

In Australia, most unsecured loans range from $5,000 to $500,000, depending on turnover, time trading, and overall creditworthiness.

Typical Borrowing Ranges

These figures are general indicators. Every lender assesses risk differently, which is why working with a broker matters.

For example, Broc Finance recently helped an automotive business secure the maximum unsecured loan of $500,000. Read the full case study →

What Lenders Look At When Deciding Borrowing Power

You don’t have to guess what your borrowing power is. Lenders usually focus on a few key areas:

• Turnover: Most lenders require at least $5,000 per month. Higher turnover generally improves your approval amount.
• Time trading: At least 6 months in business is common, but 12 months+ builds more confidence. Startups may need low doc business loans or secured options.
• Bank conduct: Clean bank statements with no dishonours prove cash flow strength.
• Credit history: Strong credit scores open doors to higher loan amounts and better rates. Even with poor credit, options exist — such as bad credit business loans.
• Industry risk: Some industries, like construction or hospitality, are considered higher risk. That can reduce loan size or increase rates.

Industry-Based Borrowing Examples

Every industry is different. Lenders look at the rhythm of your revenue and how stable it is.

Here are some real-world results from Broc Finance success stories:

• Logistics & Transport: A transport operator secured $118,000 after two years of trading, despite irregular invoice payments.
• IT & Software: An IT business obtained $100,000 in unsecured funding to align with project billing cycles.
• Manufacturing: A mid-sized manufacturer was approved for $100,000 to purchase equipment and boost production capacity.

As you can see, SME borrowing power is shaped by your industry, trading history, and revenue cycle.

Ready to Check Your Borrowing Power?

Before you apply anywhere, get a clear picture of your options. Broc Finance compares multiple lenders to match your profile with the best outcome.

• Check your unsecured business loan options now
• Apply online in minutes
• Obligation-free and no upfront credit checks.

How to Increase Your Borrowing Power

If you want to access higher loan amounts, here are practical steps to take:

• Maintain consistent turnover: Lenders reward steady or growing revenue.
• Show strong bank statements: Avoid dishonours and keep some reserve cash.
• Improve your credit score: Pay suppliers and debts on time to build confidence.
• Use low doc loans where possible: For amounts up to $250k, many lenders only require 6 months of bank statements.
• Work with a broker: Broc Finance avoids wasted applications by presenting your file to the right lenders.

Use Our Loan Calculator for an Estimate

Want a quick idea of your borrowing range? Use our loan calculator on the unsecured business loans page to estimate repayments and amounts before applying.

Why Work with Broc Finance?

Many business owners worry about:

• Asking for “too much” and being rejected.
• Wasting time applying to the wrong lender.
• Not knowing whether they qualify at all.

At Broc Finance, we simplify the process. Our team reviews your profile and connects you with lenders most likely to approve your loan — on competitive terms. This increases your approval odds and saves valuable time.

Ready to find out your real borrowing power? Apply now or talk to a lending expert.

Final Word: Borrowing Power Depends on Your Profile

If you’re asking, “What’s the maximum unsecured loan in Australia?” the short answer is up to $500,000.

The longer answer? Your eligibility depends on your turnover, trading history, and creditworthiness. With Broc Finance on your side, you can secure the best outcome without wasting time on unsuitable applications.