Working capital
Cover the gap between paying suppliers and being paid by customers.
Business loans ยท ABN holders
Funding for your business. No property required.
Unsecured loans and lines of credit for established Australian businesses, assessed on how your business trades rather than on property you own.
What it can be used for
Uses
Stock and inventory
Buy ahead of a busy season or take up a supplier discount.
Equipment and fit-out
Tools, machinery, vehicles, technology and premises fit-out.
Growth
Hire, open a new location, take on a larger contract or market the business.
How it works
A short application.
- 1. ApplyTell us about your business, the amount and what it is for.
- 2. VerifyWe ask for recent business bank statements so we can see how the business trades.
- 3. OfferIf approved, you receive a written offer setting out the amount, rate, all fees and the repayment schedule before you accept.
- 4. FundingOnce you accept and sign, funds are paid to your business account.
Eligibility
Who can apply.
- ABNAn active Australian Business Number. Companies, trusts, partnerships and sole traders can apply.
- Trading historyAn established business with a trading history and regular turnover through a business bank account. Minimum requirements are confirmed when you apply.
- Business purposeFunds must be used for the business. We do not provide loans for personal, household or domestic purposes.
- GuaranteeNo property security is required. Directors or owners may be asked to provide a personal guarantee.
Check your eligibility
Tell us about your business.
We will be in touch to complete your application. There is no obligation to proceed.
Or email lending@yield.com.au.
Questions
Frequently asked questions.
What is an unsecured business loan?
A loan to a business that is not secured by property. It is assessed on how the business trades, using its turnover and cash flow. Directors or owners may be asked to provide a personal guarantee.
Who can apply for a Yield business loan?
Australian businesses with an active ABN, a trading history and regular turnover through a business bank account. Companies, trusts, partnerships and sole traders can apply. Minimum requirements are confirmed when you apply.
Do I need property as security?
No property security is required for unsecured business loans. Equipment finance is secured by the equipment.
What can the funds be used for?
Business purposes only, such as working capital, stock and inventory, equipment and fit-out, and growth. Yield Capital Investors does not lend for personal, household or domestic purposes.
How are the costs shown?
If approved, you receive a written offer setting out the amount, interest rate, all fees and the repayment schedule before you accept.