Business Loans

Flexible business loan

Our flexible business loans can give you the funds you need for your business, quick and easy – with no mortgage security required.

Liberty Business loans

Get the funds you need without mortgage security

With no mortgage security^ required, our flexible business loan provides a hassle-free solution that helps to free-up cash flow.

  • A flexible loan with no mortgage security needed

  • Ideal for growing businesses

  • Simple application process

  • Rates from 14.70% p.a.

Easy to understand features, variables and fees


Maximum loan amount*
Minimum loan amount
Principal & interest
Interest only
Maximum loan term
5 years
Repayments - Weekly, fortnightly, monthly

Loan variables

Security – determined on application assessment
Time in business
≥ 2 years
Loan purpose – includes working capital, inventory purchase, equipment purchase, business acquisitions, refinance (including tax debt)****


Loan establishment fee**
$1,950 or 1.25% of loan amount, whichever greater
Discharge fee
Service fee
$30 per month
Deferred facility fee***
2% payable

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

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When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

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Liberty business loans FAQs

  • Our unsecured business loans are designed to provide the funds you may require to grow your business – even when you don’t have the mortgage security needed for a traditional loan. You can use an unsecured business loan to pay for equipment, tools, stock, start-up costs, or even to help pay your staff. With a range of free-thinking business lending options, Liberty has solutions to suit the needs of businesses of all shapes and sizes. And, our experienced business specialists can guide you through the application process and help ensure a timely approval for your business loan.

  • To apply for an unsecured business loan, you may need to provide your current business details as well as an outline of how you intend to use the funds. As our unsecured business loans don’t require mortgage security, we may need extra information about your business financials, including financial statements. For support to review your options and determine if an unsecured business loan is right for you, a Liberty Adviser can help.

  • If you’re looking to grow your business, a business loan could be an excellent tool to help you take the next step forward. If you’ve just started out, a business loan can support you to cover the initial start-up costs and help to get things moving. Or, if you have an established business, a business loan can support you to expand your operations, upgrade your equipment or cover any extra expenses. Whatever your goals, Liberty’s free-thinking business loans can help you achieve them, sooner.

  • At Liberty, we don’t believe your past should affect your future, that’s why we look at an applicant’s whole story to find more ways to get to ‘yes’. If you have a history of bad credit and need a loan to help your business grow, reach out to Liberty today and see if we can help. You might be surprised at the options available to you.


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Experts in free-thinking finance

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Other loans you might like:


Secured business loan

Smart funding to help your business grow. A low-rate loan for growing businesses.

  • Loans up to $2M*
  • Flexible security options
  • Wide range of loan purposes
  • Up to 30-year loan terms



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Low doc business loan

Access the funds you need without all the paperwork.

  • Loans up to $2M*
  • Secured against commercial or residential property
  • Alternative income verification
  • Up to 30-year loan terms



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Business line of credit

Access to credit when you need it most.

  • An approved line of credit loan
  • Ideal for all kinds of business borrowers
  • Improved cash flow benefits
  • Access funds when you require them



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Things you should know:

^No mortgage security required. Other forms of security will apply.

*Loan amount may vary based on information provided.

**Fee can be capitalised into the loan.

***Applicable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement.

****Additional documentation may be required upon assessment.