How long does my business need to be trading to qualify?
January 9, 2026When are unsecured business loans not the right solution?
January 9, 2026Most unsecured business loans require a business to demonstrate consistent trading income and operational stability. Lenders typically assess cash flow patterns, turnover consistency, and financial conduct rather than property assets.
In general, businesses need an active ABN, a minimum trading history, and sufficient revenue—often in the range of $75,000 to $200,000 or more, depending on the facility type. Importantly, consistent income is usually more critical than total turnover.