Loans of up to $1 million to help support your business.

What is NAB QuickBiz unsecured business finance?

It’s business finance that doesn’t require physical assets (such as property) for security. Instead it’s based on the strength of your business’s cashflow, and your ability to service the loan. Interest rates are usually higher, as they carry more risk for banks and financial institutions.

Learn more about the differences between secured and unsecured business loans.

Unsecured business finance benefits

no fee dollar

No assets for security

money bag

Simple repayments


Fast online application

Applying for QuickBiz unsecured business finance

To be eligible you need to be

  • A sole trader, a partnership with up to two partners, a company with up to five directors, or a trustee of an eligible trust.

  • Registered for GST, turnover of at least $75K per year, and operated under your current registered ABN/ACN for more than 12 months.

  • At least 18 and a permanent Australian resident.

What you’ll need to apply

  • Your ABN or ACN details.

  • 12 months of reconciled business financial data from your accounting package.

  • Identification (Passport, Driver’s Licence, Medicare Card) if you’re new to NAB.

  • Your business transaction account number (for NAB customers only).

NAB QuickBiz: Our unsecured business finance solutions

To apply for a NAB QuickBiz Loan or a NAB QuickBiz Overdraft, your annual turnover will need to be at least $75k. Before we make our decision, we’ll review your cash flow, credit score and how long your business has been operating.

Fast, easy, business lending to help you cover expenses and manage your cash flow.

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Special fixed interest rate View disclaimer 1

  • The process for applying is fast and easy. If approved, access funds one business day after we receive all your signed paperwork. View disclaimer *
  • Fixed competitive monthly principal and interest repayments so you can budget more
  • 12, 24, 36 month loan terms giving you the flexibility you need

Easily manage peaks and troughs in your cash flow with an overdraft on your transaction account.

% p.a.

Variable interest rate on what you've used

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Service fee on approved limit

  • The process for applying is fast and easy. If approved, access funds one business day after we receive all your signed paperwork. View disclaimer *
  • Only pay interest on what you use
  • An extension of your NAB business transaction account


If you already use Xero, MYOB Essentials or Intuit QuickBooks for your business, your QuickBiz application will be even faster, because our system links to your accounting software. All you need to do is log in. We can assess on the spot whether you are eligible for conditional approval. There is no application fee and conditional approval could be as little as ten minutes away.2

For existing NAB customers, you may not need to provide your financial data.

Getting started on your application

Here’s a few steps you need to complete as part of your application.

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Ensure record keeping is up to date

Reconcile all transactions from the bank account you use for your business for the past 12 months (and within the past 30 days).

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Login to your account

If you use Xero, MYOB Essentials or Intuit QuickBooks, we’ll ask you to log in as part of your application.

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For all other accounting software

In addition to your reconciled transactions, you’ll need to provide a Balance Sheet and Profit and Loss Statement spanning 12 months (that is no longer than 120 days old).

xero, myob, quickbooks

Need further assistance?

For more help, including providing your financial data in the right format, visit our support page.

How a QuickBiz loan helped Adam’s business?

Adam recently started his own food truck business.

He found a great opportunity to promote his food truck business but needed fast access to funds. Fortunately for Adam he applied for a NAB QuickBiz Loan and after he returned his signed contract, he was able to access his funds fast.

How a QuickBiz overdraft helped Lucy’s business?

Lucy is a makeup artist who has an established business with regular customers.

Business has slowed down in the lead up to the holidays and a number of business expenses have landed before the end of year. As an existing customer of NAB, Lucy applied for a NAB QuickBiz Overdraft to help manage her cash flow.

Learn more about business finance solutions

Business Support Loans

Loans of up to $1 million to help support your business. Find out more.

Equipment financing for your business

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Applying for business finance? Here's what you need

Four documents you'll need for your finance application.

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