No Property? No Problem. How a Business Secured Finance Without Property Security

Getting business finance without property used to be difficult, especially after a bank decline. In this podcast, we explain how we helped a borrower secure finance without property security by using strong cash flow and consistent contracts.

The Challenge

The borrower did not own property and was declined by the bank due to a lack of traditional security. Despite this, the business had consistent contracts and strong ongoing cash flow.

Our Approach as a Finance Broker in Australia

As a finance broker in Australia, we completed a cash flow–based assessment rather than relying on property security. We reviewed bank statements, income consistency, and contract strength. Using our large panel of lenders, we matched the application with a lender that assesses business performance and cash flow. Approval was subject to lender assessment and criteria.

The Outcome

The borrower secured business finance without providing property as security, allowing them to move forward without delays and continue operating with confidence.

Key Takeaway

Not having property does not automatically rule out business finance. With strong cash flow and the right lender match, alternative options may exist beyond the banks.

FAQ: Business Loans Without Property in Australia

Can a business get a loan without property security in Australia?

Yes. Some Australian lenders assess applications based on cash flow, income consistency, and contracts rather than property security. Approval is subject to lender criteria.

What is a cash flow based business loan?

A cash flow based business loan is assessed primarily on a business’s income, bank statements, and ability to service repayments rather than asset security.

Do I need perfect credit to get a business loan without property?

Not always. Some lenders focus more on current business performance and cash flow. Eligibility depends on lender criteria.

Why do banks often require property security?

Banks typically prefer property as security to reduce risk. Non-bank lenders may use alternative assessment methods.

Is approval guaranteed through a finance broker?

No. A finance broker cannot guarantee approval. All business finance is subject to lender assessment, eligibility, and approval conditions.