Secured and Unsecured Loans

Explore secured and unsecured loan options with competitive rates. Fast, straightforward approval process.

Secured and Unsecured Business Loans in Australia


Dark Horse Financial offers flexible financing options for secured and unsecured loans. Enjoy competitive rates and a streamlined approval process tailored to your needs. Whether for personal or business purposes, our loans offer the support you need. Apply with confidence today.

Quick Enquiry!

    We'll get back to you promptly with the right finance solution for your needs.

    Same Day Approval

    Same-day Approval

    Our same-day business loan approval process means that you can get approved the same day you apply, and receive the cash in under 24 hours.

    Fast Cash

    Fast Finance

    Fast Finance It doesn't get much quicker than an application process that can be completed in minutes and funding available within one day.


    Flexible Credit Criteria

    Some lenders make business owners jump through hoops to get a business loan. We make it easy to get the finance you need (without the hoops).

    Secured & Unsecured Loans for a Range of Business Purposes

    Purchase Equipment

    Purchase Equipment With Secured Business Loans

    Upgrading business equipment and assets can help improve the quality of your business offering and increase your output. With increased capacity and a higher quality offering, your business is on the fast track to growth and success. Our secured business loan solutions help you afford the business assets you need to drive success.

    Secured & Unsecured Business Financing for Research and Development

    For many industries, R&D is the cornerstone of getting ahead of competitors. Innovation through R&D can help to significantly improve a business and its offering. If you’re looking at undertaking research and development, a secured or unsecured business loan could be the answer to your R&D capital requirements.

    Research And Development
    Sale Back Finance

    Utilise Secured & Unsecured Business Loans for Purchasing Business Cars and Vehicles

    Need a tax-effective and cash-flow-friendly way of purchasing a new or used business vehicle? Whether you need a car, van, truck, tractor, forklift, or any other kind of vehicle, a secured business loan can help you purchase the vehicle you need. If cash flow is a concern, it’s possible to incorporate a balloon payment for cash flow friendly repayments.

    Secured & Unsecured Lending to Consolidate Debt

    If you’ve found yourself with a rising amount of debt across various platforms, a business loan might be able to help with debt relief. Consolidating your existing business debt into one loan product can help to reduce interest rates, loan repayments and stress. A business loan may make keeping on top of debt much easier to manage.


    FAQs for Secured and Unsecured Loans in Australia

    Unsecured business loans are a type of loan that doesn’t require the loan to be secured with an asset like property or a vehicle. With secured business loans, the lender has the legal right to repossess the security asset if the borrower does not repay the loan amount. For this reason, an unsecured business loan is considered to be riskier from the lender’s point of view. This extra level of risk is factored into the interest rate.

    If you have no assets to offer as security, or you’d rather not offer particular assets (such as residential property), unsecured business loans may be appropriate. However, if you’re looking for a lower interest rate, a secured loan will generally be the cheaper option.

    We work with many large and small businesses with a less than perfect credit rating where bad credit business loans are offered. We specialise in finding business finance solutions for businesses where others can’t, so a bad credit score is certainly not a barrier. Creating the right finance strategy can help get your business’s financial health back on track.

    Our business finance solutions range in size from small business loans right up to $50M. The amount you are approved for will depend on the purpose of the loan and serviceability. We help structure your business loans so your borrowing power is maximised, but affordability is maintained.

    The fundamental difference between a secured and unsecured loan revolves around the need for collateral. A secured loan refers to the loan having security like property or inventory, meaning if the loan goes into default, then the lender may use these assets to cover the debt. In contrast, unsecured loans don’t require tangible security but instead rely on director’s guarantees and a guarantee from the business.

    For a secured loan you might need to offer tangible assets such as real estate, equipment, or balance sheet assets like your accounts receivable. These assets will typically have a value that’s equal to or greater than the loan.

    If you default on a secured loan a lender will typically try and work with you first to try and get your loan back on track but late or missed repayments can be reported to credit agencies. This will negatively impact your credit file and lower your credit score. If your loan continues to be in default the lender can rely on the security to recover the loan. In the instance of a vehicle or machinery asset this could mean the asset is repossessed, where property is involved lender’s can make an application to the courts to use the property to recover their loan funds.

    Unsecured loans are typically assessed by a read only view of business bank account statements. Technology exists that determines the revenue through a bank account, the expenses that are being charged and the average cash balance. Red flags can be direct debit dishonours or a credit score that’s deemed too low. However, if your credit score is in line with lender policy and you have no defaults an approval up to 1.5X your monthly revenue can generally be achieved.

    Yes, as a general rule a secured loan usually comes with lower interest rates due to the lowered risk associated with collateral. Conversely, unsecured loans, which carry a higher risk, tend to have higher interest rates. However, some unsecured loans offered by banks can have lower interest rates than are offered by invoice finance providers or private lenders.

    Different unsecured business loan lenders have different lending limits based on credit score and their own profiles. At many unsecured business loan lenders, directors who are not property owners might only be able to borrow $150,000 whereas other lenders are more interested in the business and can provide unsecured loans on a case by case basis up to as high as $4M.

    Secured and unsecured loan approvals from a bank will typically require an assessment of business financials, an understanding of a directors assets and liabilities and in the case of a secured loan, a valuation over the asset offered as security. Fintech, or unsecured lenders will, on the other hand, assess and approve an unsecured loan based on a read only assessment of business bank accounts. This makes the approval process with an unsecured lender far faster than the experience of a bank.

    When deciding between secured loans and unsecured loans you should consider your borrowing needs, loan purpose, repayment time frame, and ability to offer security. Secured loans usually have lower rates which makes them appealing for longer term debt but the speed of application to settlement that an unsecured loan can provide makes them appealing for short term loans.

    Applying for an unsecured loan or secured loans with takes only a few minutes. Leave your details on line and an expert will get in touch to help you with the best lender and loan selection for your circumstances.

    At Dark Horse Financial, understanding your needs with unsecured and secured loans, managing different banking relationships, and finding solutions is what we do best. Get a quote now!

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