Make your next Advance a
Smart Advance

Unsecured Business Loans

$5,000 – $100,000

Free to apply. No obligation.

Make your next Advance a
Smart Advance

Unsecured Business Loans

$5,000 – $100,000

Free to apply. No obligation.

The smarter way to finance your business



Asset security not required. No need to put your home on the line, all you need are director’s guarantees.



Loans from $5K-$100K, terms from 3 –24 months, for any business purpose.

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Decisions in as little as 1 hour – 90% of customers receive their funds within 1 business day.

Have a chat with us

We Are here to help.
Call us today: 1300 917 948

It’s fast and you can apply in minutes


Unsecured loan ($5,000 -$100,000) and is calculated based on the health of your business


Terms from 3-24 months


No collateral required & no hidden fees


Easy On-line Application & Fast Approval


Highly Competitive Rates


Bad Credit Considered

About Smart Advance

Smart Advance is an Australian owned and managed company that offers unsecured business loans to small and medium businesses in Australia. Unlike traditional bank loans, a smart business loan is UNSECURED ($5,000 – $100,000) and is calculated based on the health of your business.

The business loans that we offer are fast, simple, flexible, affordable and best of all tailored to your business needs. We at Smart Advance look at the things that really matters the most because we truly want you to succeed.

Got 5 minutes?



Easy & fast online application.

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Discuss your needs with our friendly team. 


A hip hair salon in NSW run by an industry leading stylist has used small business loans over the past three years to expand and grow. Unsecured finance has been used to add basins and chairs, build a new website and run a marketing campaign, new street signage and more recently $15k was borrowed to stock up for the busy Christmas part season, and then re-stock after its successful completion.

The business continues to build momentum, with a steady increase in clientele, amazing reviews on social media and revenue – and the owner is stoked!



A dental practitioner in Victoria is into his fifth loan with us and is completely sold on the benefits of using unsecured finance to grow his practice. After taking over a new practice four years ago, the owner used an initial loan to upgrade equipment and instruments.

As the practice became established, a second loan was used to purchase a new X-Ray machine, and a third to buy supplies in bulk, enabling the owner to achieve significant cost savings. A fourth loan was used to add new service options for the expanding client base by funding staff training. The current loan of $35k is being used to remodel the reception area. Practice revenue has increased by more than 25% over the four year period and demand is not slowing down.

Vietnamese Restaurant

After four years of trading and with business booming, a husband and wife team who owned a Vietnamese restaurant in WA decided to expand by opening a second location in a nearby food court. The owners had already used a $60k business loan to remodel their original location, resulting in increased revenue.

They decided to leverage their increased cash flow and take on additional finance, which they used to secure the food court location and start trading. Current consumer interest in light, fresh food is fuelling success at both locations and the owners are quietly confident of further expansion down the line.

Free to apply & no obligation

Most frequently asked questions 

What is the product?


How does your process work exactly?


How much do I qualify for?


Does It make sense to go into debt?


Will my credit rating be affected if I get declined?


How do I know you are giving me an honest rate?


Are you a last resort lender?


Why must I use Smart Advance?


Can I get an unsecured loan from the bank?


DOWNLOAD YOUR Free Guide to Becoming a Cashflow Guru

This eBook can be used as a guide on how to measure where you currently stand with your cashflow and provides great insights and tips that can be used with your future finance goals. It has been very popular for small business owners and should prove to be useful to you as a small business owner.

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Please let us know if you have a question, want to leave a comment, or would like further information about Smart Advance.

Postal Address: Level 14, 309 Kent Street, Sydney NSW, 2000

Phone: 1300 917 948

Email: [email protected]