Cafe owner looking at business loans on her computer

Unsecured Business Loans

Fast business loans with flexible repayments

Need extra cash flow? The Tyro Flexi Loan helps eligible Tyro customers access fast, unsecured business loans in as little as 60 seconds ¹.

Log into Tyro Portal Call 1300 058 976

Fast funding

Access up to $400k in as little as 60 seconds ¹.

Simple pricing

No interest rate, just one simple fixed fee.

Flexible repayments

Nominate a percentage of your daily takings to repay.

Easy loan management

Manage everything in the Tyro Bank App or Portal.

Calculate your potential Business Loan amount

Find out how much you could borrow with Tyro’s unsecured business loan and understand your repayment costs. Use our calculator to explore the fee structure and see how repayments align with your transactions.

Annual Card Revenue Enter your projected card settlements volume.

Loan amount Enter the amount you would like to borrow from Tyro.

Repayments from daily takings

Min: 8%

Max: 30%

The Tyro Flexi Loan calculator results are intended to be used as a guide only and are based on the information you input. The calculator may allow you to select a repayment percentage that may not be available for your actual loan. The results do not show the actual fee that will be payable for a loan for your business. The actual fee and total repayment amount may be higher or lower than shown. The repayments to be made from your daily settlement amounts are subject to minimum repayment amounts as set out in your loan terms and conditions. Default figures and calculator assumptions used by the calculator are subject to change at any time without notice. Using this calculator does not guarantee that you will be eligible for a Tyro Flexi Loan which is subject to you satisfying our eligibility criteria. Full terms and conditions are set out in the Tyro Lending Terms & Conditions.

What can a fast business loan be used for?

The Tyro Flexi Loan is designed for businesses who feel the daily pinch of managing cash flow. Perfect when you need to:

Cover payroll during slower trading months
Pay a large supplier
Replace or repair equipment quickly
Stock up ahead of a busy season
Bridge cashflow gaps while waiting on invoices
Fund new projects, open additional locations, or enter new markets

Unsecured Business Loans for small businesses

Tyro customers can borrow unsecured amounts up to $400,000 ¹ with the Tyro Flexi Loan without putting up assets as collateral.

Check your eligibility

Apply in just a few clicks

Review your offer, accept the terms, and get funds transferred in little as 60 seconds ¹.

Repay as you earn

Choose a repayment percentage that suits your business. Payments automatically adjust with your daily takings.

Manage it all in one place

View your loan balance, track repayments, and pay down early from the Tyro Bank App or Portal.

How Tyro’s unsecured business loan works

Tyro Flexi Loan explained in 60 seconds.

How to apply for an unsecured business loan with Tyro

Existing Tyro customers can apply for a Tyro Transaction Account through the Tyro Portal and Tyro Banking App.

Open a Tyro Transaction Account

Open a Tyro Transaction Account in the Tyro Bank App or Portal—or skip this step if you already have one.

Then, go to Tyro Flexi Loan in the Banking section of the Tyro Bank App or Portal.

Customise your loan

Choose how much you want to borrow and the percentage of your daily takings you’ll use to repay your loan.

Review and accept

Review your fixed fee, accept the offer, and receive funding if approved.

Get funds fast ²

Receive funds in your Tyro Transaction Account in as little as 60 seconds ¹.

Frequently asked questions

An unsecured business loan is a business loan that does not require property or other business assets to be offered as collateral.

You nominate a percentage of your daily takings to go towards your loan repayments so you repay as you trade.

This means repayments rise and fall in line with your cash flow so you have flexibility during slower periods (subject to minimum repayments). You also have the option to make manual payments and even pay the loan in full anytime, but you should note that the loan fee will remain the same.

The approval process is quick, often completed within minutes if you’re already a Tyro customer. Funds can be deposited into your Tyro Transaction Account in as little as less than 60 seconds. In some instances, we may require more information to complete your eligibility check.

Yes, a Tyro Transaction Account is required to apply for and access a Tyro Flexi Loan from the Tyro Bank App and Tyro Portal.

The loan is flexible when you want to pay it off faster; that’s up to you. The loan fee is payable regardless of how quickly you pay off the loan.

To pay off your loan sooner with a lump sum repayment, you can do this in the Tyro Bank App, or simply contact Tyro Customer Support on 1300 00 8976.

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