Plain answers.

Any Australian business with an active ABN, at least 6 months of trading history, and a minimum monthly revenue of $10,000 can apply through UNCAP. Sole traders, partnerships, companies, and trusts are all eligible. You don't need to own property — unsecured business loans are assessed on your revenue and trading history, not your assets.

Most lenders on UNCAP.'s panel require at least 6 months of trading history and a minimum of $10,000 per month in business revenue. Some lenders have higher thresholds for larger loan amounts. If you're close to these minimums, it's still worth applying — different lenders assess differently and some are more flexible than others.

No. UNCAP. specialises in unsecured business loans — no property, no assets, and no security required. Lenders assess your business on revenue, cash flow, and trading history. This is the key difference between non-bank lenders and traditional banks: your business performance matters, not what you own.

Most Australian industries are eligible — including hospitality, retail, construction, professional services, healthcare, e-commerce, transport, trades, and manufacturing. A small number of industries are restricted (such as gambling, adult entertainment, and cannabis). If you're unsure whether your industry qualifies, apply and we'll confirm.

Most non-bank lenders require at least 6 months of trading history, so brand-new startups are typically not eligible for unsecured business loans. If your business has been operating for 6 or more months and generating consistent revenue, you can apply. Profitability is not required — consistent cash flow is the key metric lenders assess.

Not necessarily. Non-bank lenders take a holistic view of your business — your revenue, bank statements, and trading history matter more than a perfect credit score. Businesses with imperfect credit histories are regularly approved through UNCAP. A prior default or judgement doesn't automatically disqualify you, though it may affect which lender is the right match.

Yes. A bank decline is not the final word on your eligibility for business finance. Non-bank lenders use entirely different assessment criteria — they focus on your revenue and cash flow rather than assets or property. Many of UNCAP.'s successfully funded clients were previously turned down by a major bank. Apply and let the lenders decide.

UNCAP. connects businesses with loans from $10,000 up to $500,000. The amount you're eligible for depends on your monthly revenue, trading history, and lender criteria — most businesses qualify for between 1 and 2 times their monthly revenue as a starting point. Larger amounts are available for businesses with strong, consistent cash flow.

Loan terms through UNCAP.'s lender panel typically range from 3 to 24 months. Shorter terms are more common for smaller amounts, while longer terms of up to 36 months may be available for larger loans with a strong trading history. Your lender will provide a full repayment schedule before you sign anything.

The loans UNCAP. connects you with are unsecured — no property, vehicle, or asset is used as collateral. For larger loan amounts (typically above $150,000), some lenders may request a personal Director Guarantee, which is a personal commitment to repay the debt — not a charge over your home or any specific asset.

Rates vary by lender, loan size, and your business profile. Non-bank unsecured business loans in Australia carry higher rates than bank loans — that's the trade-off for speed, no property security, and flexible eligibility criteria. Some lenders use a simple interest rate; others use a factor rate (a fixed cost multiplied by the loan amount). Your lender will disclose the full cost of credit before you commit.

Lenders typically charge an establishment or origination fee, and some charge an ongoing account-keeping fee — all of which are disclosed in your loan contract before you sign. UNCAP. itself charges borrowers nothing. There are no application fees, no broker fees, and no hidden charges on our end.

Early repayment options vary by lender. Some allow full early repayment with no penalty; others charge a small early repayment fee. If early repayment flexibility is important to you, mention it when you apply and we'll factor that into the lender match. All repayment terms are disclosed in your contract before signing.

Some lenders require a personal Director Guarantee for larger loan amounts — typically above $150,000. This means the director personally commits to repaying the debt if the business cannot. It is not a mortgage or charge over your home, but it is a personal liability. Your accountant or solicitor can help you understand the implications before you sign.

UNCAP. connects you with lenders who can deliver a credit decision within 24 hours. Once approved, funds are typically transferred to your business account within 1–2 business days — and some lenders offer same-day business loans when your documents are submitted early in the day. This is significantly faster than a traditional bank loan, which can take weeks.

Most lenders require 3–6 months of business bank statements, a copy of your driver's licence, and your ABN. Some lenders may also request BAS statements or ATO portal access for larger loan amounts. UNCAP.'s application is low-doc — you won't be buried in paperwork before you even know if you're approved.

Applying through UNCAP. does not trigger a hard credit inquiry. Our pre-qualification process is soft-check only and does not impact your credit score. A hard credit pull only occurs if you proceed with a formal loan offer from a lender — and only with your knowledge and consent.

Once you submit, UNCAP.'s matching system reviews your application and connects you with the most suitable lender from our panel. You'll be contacted directly by the lender — usually within a few hours on business days — to discuss your options and next steps. You're never left wondering where your application stands.

UNCAP. matches your application to the most suitable lender on our panel — your information is not broadcast to all lenders at once. This protects your privacy and prevents multiple credit inquiries from hitting your file. If the first lender isn't the right fit, we'll explore other options on your behalf.

UNCAP.'s matching system assesses your application — industry, revenue, loan amount, and trading history — and identifies which lender on our panel is most likely to approve you and offer the best terms for your situation. We work with seven specialist non-bank lenders, each with different strengths, products, and eligibility criteria.

If you're not approved by the first lender, UNCAP. will review your application and explore whether another lender on our panel is a better fit. A single decline doesn't close the door. We'll be honest about your options and, if finance isn't available right now, we'll tell you what would improve your eligibility for a future application.

Once your loan is approved and your contract is signed, funds are typically transferred within 1–2 business days. Many lenders on UNCAP.'s panel offer same-day business loan funding when documents are submitted early in the day. The exact timeline depends on your bank's processing speed and when you return signed documents.

Repayments are taken by direct debit from your nominated business bank account on a schedule agreed at signing. Most non-bank lenders use daily or weekly repayment schedules — rather than monthly — which keeps individual repayment amounts smaller and more manageable for small business cash flow. Your full repayment schedule is provided before you sign.

Repayment frequency varies by lender — most use daily or weekly direct debits, with some offering fortnightly options. More frequent repayments mean smaller individual amounts, which many business owners find easier to manage than a large monthly payment. Your lender will confirm the exact schedule before you commit.

Yes. Many businesses return to UNCAP. for additional finance after their first loan — either as their current loan nears repayment or when a new opportunity arises. Top-ups and repeat loans are common, and your positive repayment track record typically works in your favour for subsequent applications.

If you think you're going to miss a repayment, contact your lender as soon as possible — before it happens. Most non-bank lenders have hardship provisions and can work with you on a revised schedule. Ignoring missed repayments leads to fees and can damage your credit file; communicating early almost always produces a better outcome.

Yes — unsecured business loans through UNCAP. can be used for almost any legitimate business purpose: purchasing stock, hiring staff, bridging cash flow gaps, equipment, marketing, fit-outs, ATO tax payments, or expansion. The loan must be used for business purposes, not personal expenses.

No. UNCAP. is not a lender — we are a business finance matching service. We connect Australian SMEs with a curated panel of specialist non-bank lenders who provide the actual credit. This means you get access to multiple lenders through a single application, without approaching each one individually.

Yes, completely free for borrowers. UNCAP. charges no application fee, no matching fee, and no broker fee. We earn a referral commission from the lender when a loan settles — that commission is paid by the lender, not by you, and does not affect your interest rate or loan terms.

Lenders pay UNCAP. a referral fee when your loan settles. This is a standard commercial arrangement — similar to how comparison sites and referral networks operate across financial services. The commission comes from the lender's budget, not from you, and does not increase the cost of your loan.

Banks require extensive documentation, long trading history, strong credit scores, and often property as security — and still take weeks to reach a decision. UNCAP. connects you with non-bank lenders who make decisions in as little as 24 hours, require minimal documentation, and don't need property as collateral. Non-bank lenders typically cost more than banks, but they're accessible to the businesses banks routinely decline.

Traditional finance brokers often charge upfront fees and may represent a limited panel of lenders. UNCAP. is free for borrowers and uses a direct matching model — your application goes to the lender best suited to your profile, not the one that pays the highest commission. We're focused on fast, transparent outcomes for Australian SMEs, not on maximising our fee per deal.

Yes. UNCAP. uses secure, encrypted data transmission and stores your information in compliance with the Australian Privacy Act 1988. Your data is only shared with the lender we match you with — it is not sold, broadcast to third parties, or used for marketing without your consent. You can read our full Privacy Policy on this website.

UNCAP. operates in compliance with Australian financial services and privacy regulations. All lenders on our panel hold their own Australian Credit Licences and are regulated by ASIC. We are committed to responsible, transparent finance facilitation for Australian small businesses.

UNCAP. partners with seven specialist non-bank lenders — each with different strengths, eligibility criteria, and loan products. This panel approach gives your application a higher chance of approval than going to a single lender directly, and ensures you're matched with the option most suited to your business profile and funding needs.