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Unsecured business loans made simple.

Loans from $5,000 - $150,000. No hidden fees.

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The Sail Difference

Trusted Direct Lender

Unsecured $5k-$150k

3 to 12 months

No Hidden Fees or Charges

No Early Repayment Fees

Funds received the following day

A Sail unsecured business loan is your cash flow safety net.

We understand that many profitable small businesses experience seasonal fluctuations and shortfalls in cash and resources. We offer fast and affordable working capital on demand to help steer your business through these dips, or help you gear up for peak periods.

We provide unsecured business loans


$5 to $150k


3 - 12 months

Sail is one of the only direct lenders that allows small business owners to repay your loan early with no fees or penalty.

It all sounds great, but...

Do you qualify?

You must run an Australian registered business.
You need to have been operating for at least 6 months.
Your minimum gross annual turnover must be $50,000.
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We've funded hundreds of Australian small businesses to date, across industries such as hospitality, franchises, retailers, professional services, trades and labour, creative agencies, health and beauty services and much more.

My cashflow was suffering and my business with it. The team at Sail had the money in my account the following day, with fantastic service, support, and prices - I'll definitely be back for more!

Professional, helpful and very fast in offering numerous options suitable to your business model. Very impressive company.

Summer is typically slow for me and I had bills to pay. Sail waved away my headache with a quick finance solution in easy weekly repayments.

How it works

1. Apply Online

Easy application - it only takes 5 minutes

2. Get Approved

Receive a lending decision within 24 hours

3. Receive Your Funds

Your funds will be deposited the following business day

Get started here

I want to borrow
on a
loan term.

Your weekly repayment will be


Why us?

We're a small business ourselves and we're inspired to fund and support all Australian SME owners throughout their business journey.

Securing proper finance for your business is no longer the complicated process it used to be.

Sail offers a safe, fair and accurate lending solution that is customised to your business

We're a trusted direct lender and we're here to provide you with the capital and support you need to sustain or grow your business.

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