Knowledge Center

• Unsecured Business Loans – No collateral required, fast approval.
• Secured Business Loans – Requires assets as collateral, lower interest rates.
• Invoice Financing – Borrow against outstanding invoices to improve cash flow.
• Line of Credit – Flexible credit limit for ongoing expenses.
• Equipment Financing – Loan specifically for purchasing business equipment or machinery.

Lenders typically look at the following criteria when assessing a loan application:
  Minimum trading history – Most lenders require at least 6 months in business.
  Annual revenue – A minimum revenue threshold (often $5,000–$10,000 per month) is required.
  Credit score – A good business or personal credit score improves approval chances.
  Business registration – An active ABN or ACN is required.
  Cash flow stability – Regular revenue streams help demonstrate repayment capability.
  Financial statements – Bank statements (3–6 months), tax returns, and profit & loss statements may be needed.

• Charge higher interest rates.
• Require additional documentation to prove business stability.
• Offer alternative financing such as invoice financing or secured loans.

• Unsecured business loans – $5,000 to $500,000
• Secured business loans – Up to several million dollars, depending on collateral
• Invoice financing – Up to 85% of invoice value

• Unsecured loans – Approval in as little as 24 hours.
• Secured loans – May take 1–2 weeks due to asset valuation.
• Invoice financing – Typically 24–48 hours.

Not necessarily. While secured business loans require collateral, Hubbe also offers unsecured business acquisition loans that allow you to access funds without pledging assets. These options are ideal if you prefer flexibility or don’t have significant assets to offer as security.

Startups may have limited options but can qualify under certain conditions:
  Strong business plan and revenue projections.
  Personal credit history (if no business credit).
  Alternative financing such as invoice financing or crowdfunding.

Most lenders require:
  ABN or ACN
  Bank statements (last 3–6 months)
  Financial reports (profit & loss statement, tax returns)
  Business plan (for startups or large loan amounts)
  Identification documents (driver’s license, passport)

A business loan can be used for:
  Expanding operations (new locations, hiring staff)
  Purchasing inventory or equipment
  Marketing and advertising
  Managing cash flow and covering unexpected expenses
  Refinancing existing debt

• Unsecured business loans – 3 months to 5 years.
• Secured business loans – 1 to 10 years.
• Invoice financing – Repaid once invoices are settled (typically 30–90 days).