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Unsecured Business Loans in Australia with OPT
An unsecured business loan for Australian businesses, designed to help you expand, finance new inventory, or keep your operations running smoothly. Apply today to access fast, flexible funding with no collateral required.
How does an Unsecured Business Loan work?
An unsecured business loan provides funding without requiring and risk personal or business assets, making it an ideal solution for businesses that need quick access to capital without tying up assets. The loan amount is determined based on your business’s financial health and revenue. Repayments are designed in away to align with your cash flow. With a streamlined application process and fast approval, you can focus on growing your business without the burden of securing traditional business assets first.
The benefits of a Business Loan with OPT
When it comes to business and especially what small business owners do, access to fast, flexible funding is a real advantage. You may need a loan to help manage your cash flow, to take on new inventory, new staff, or upgrade your equipment.
Whatever your business needs, a OPT Business Loan could help you achieve your goals.
Borrowing that matches
your business income
OPT EFTPOS and eCommerce customers can borrow unsecured amounts up to $350,000
- Faster funds for businesses
Once you provide a personal guarantee and accept your loan in the OPT App or OPT Portal, funds are deposited into a fee-free OPT Bank Account in less than 60 seconds or within a few business days into your linked bank account. In some instances we may require more information to complete your eligibility check.
- Pricing made simple
Simple pricing with no hidden charges. There’s just one fee you know up front and it’s paid down over the life of the loan as part of your loan repayments.
- Repay as you trade
Repayments are made by nominating a percentage of your EFTPOS and/or eCommerce takings, meaning repayments rise and fall in line with your cash flow providing flexibility during slower periods (subject to minimum repayments).
- Business loans at your fingertips
Manage your loan in the OPT App or OPT Portal. From seeing how much you could borrow, customising your loan, to accepting in just a few steps, we’ve made it simpler for businesses to borrow from unsecured loan lenders, subject to eligibility criteria.
Customise your OPT Business Loan
A OPT Business Loan can provide up to $350,000. It’s a simple no-fuss process that can see you access funds for your business fast.
Calculating your loan fee is simple too. Your loan fee is payable over the life of the loan and is based on the amount you are looking to borrow, the repayments percentage you nominate, and your specified projected turnover.
Use our loan calculator to find out more.
Calculate your potential loan
Find out how much you could borrow and understand your repayment costs. Use our tool to see the fee structure and how it aligns with your EFTPOS transactions.
The OPT Business Loan calculator results are intended to be used as a guide only and are based on the information you input. The calculator may allow you to select a repayment percentage that may not be available for your actual loan. The results do not show the actual fee that will be payable for a loan for your business. The actual fee and total repayment amount may be higher or lower than shown. The repayments to be made from your daily EFTPOS and/or eCommerce settlement amounts are subject to minimum repayment amounts as set out in your loan terms and conditions. Default figures and calculator assumptions used by the calculator are subject to change at any time without notice. Using this calculator does not guarantee that you will be eligible for a OPT Loan which is subject to you satisfying our eligibility criteria. Full terms and conditions are set out in the OPT Lending Terms & Conditions.
4 easy steps to secure your
next business loan
Step 1
- 1. Get started
Log in to your OPT App and tap on the loan tab in the home screen. Don’t have the OPT App? Download it now App Store or Google Play™. Click on the Lending tab to start your application for a OPT Business Loan.
Step 2
- 2. Customise your loan
Select how much you want to borrow and nominate the percentage of your daily takings to repay your loan. Review the loan fee and estimated loan duration before following the prompts to apply.
Step 3
- 3. Finalise and accept
Provide a personal guarantee and accept your loan all in your channel of choice; OPT Portal. Funds are deposited into your OPT Bank Account in less than 60 seconds. Or, within a few business days to a linked bank account.
Step 4
- 4. View and manage your loan
In the OPT App from the loan dashboard, view your loan details, including estimated time to repay.
OPT quick loan boosts surfboard production
As specialists in premium surfboard products, Onboard Industries requires access to fast funding for large production orders.
By going straight to OPT, exploring the loan calculator, and accepting their loan from the OPT App, they get fast access to funds and repayments rise and fall in line with their cash flow.
Do more with OPT
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Tyro Bank Account
Earn interest on your income with a fee-free OPT Bank Account, with settlement funds paid every day at a time you choose
Better Payments
A quick, easy, secure way to accept payments in-store and/or online with a single settlement.
Tyro Bank Account
Earn interest on your income with a fee-free OPT Bank Account, with settlement funds paid every day at a time you choose
Get Quick Answers to Your Concerns
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Couldn’t find what you looking for?
write to us at
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