UCapital | Home

Alternative Business Loans from
$5,000 to $250,000

Many of our clients have been turned down by their banks, but because we've run businesses ourselves,
we take a different approach. Just because the bank says "NO", doesn’t mean you don’t have a good business.

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We offer ALTERNATIVE business
loans up to $100,000

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Serving Australian businesses since 2004

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Over 1,700 loans issued

GET STARTED TODAY

10 minute application process

I have a growing business and own a few high-end retail shops in Sydney. While expanding, I faced a three-month seasonal challenge that put pressure on my cashflow. UCapital approved a $150,000 alternative loan and structured a two-stage deal that has given me peace of mind for the rest of the year. A great team.

Lance
Retail
Your company was extremely patient, efficient and followed through on every aspect of our loan transaction.

Sarah
Designer
Thank you for the professionalism by the whole team for the funding of $50,000. I was very impressed by the personal treatment too.

Sean
Agriculture
We’ve run restaurants for 13 years yet the banks didn’t want to help us expand. The team understood how our business worked and gave us the funds to grow.

Joe
Cafe Owner
A loan from the bank would have required one of my assets as security. UCapital gave me a $75,000 alternative loan within days based on the health of my business. The money came at the right time. Thank You.

Nigel
Sport Recreation

We also say "Yes" when:

You have a default against your name. The banks won't!
Your business is younger than 24 months . The banks won't!
You need money within 24 hours. The banks won't!
You dont have security to offer. The banks won't!

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Hundreds of SME's Prefer Us Over Their Bank

It’s Because we take a different approach

Quick Approvals
Simple Application Process
High Approval Rate
Full Transparency
Competative Rates
Pay As You Earn

Quick Approvals

Unlike the banks, UCapital can have your business loan approved and funded within 24 hours to help you jump on opportunities and handle cash flow challenges
Simple Application Process

Unlike the banks, our application process is simple and dynamic. For business loans under $50,000 we only need 3 months banks statement and a basic application form.
High Approval Rate

Unlike the banks, we think out of the box and are not limited by harsh lending criteria’s. We can recognise a good business when we see one. We often approved SME’s rejected by banks.
Full Transparency

Unlike the banks, we offer full transparency with no hidden fees and nasty surprises. One of the many reason why we have a 98% happy client ratio.
Competative Rates

Our second mortgage and caveat business loans are as low as 1 – 2% per month. Naturally alternative rates are higher, but ours are the best in the market and depends on the health of your business.
Pay As You Earn

Link your eftpos machine to the facility and only pay the business loan back as you earn income.

Why use UCapital?

What we offer

An alternative business loan means you don’t have to put up your home or your car every time that need arises.

Business Loans up to $250,000
Ten Minute Online Application
Cash-flow Friendly Micro Repayments
Short Term Finance 3 – 12 Months
Fast Approval Process
Dedicated Business Specialists and Customer Support

STEP 1

Apply Online

A simple and fast
application process.

STEP 2

Receive Approval

Apply today and receive a
decision in hours

STEP 3

Get Funded

90% of our customers recieve their
funds in 24 hours

GET STARTED TODAY

10 minute application process

WHAT YOU
NEED TO PROVIDE

For loans of $50,000 or less we need

Drivers licence number
Your business ABN number
The BSB and account number

For loans larger than $50,000 we require basic financials

Don’t Limit Your Growth. Apply Today!

Get ALTERNATIVE loans to either jump on opportunities or to ease them through a difficult period

GET STARTED TODAY
10 minute application process

I needed a YES for a loan,
not a no from the bank.