Kikka Capital Unsecured Business Loan

Kikka Capital simplifies the business of lending with a paperless application process and approval in just seven minutes.

  • Please note that Kikka has now been rebranded to Propell – Cash Flow Hero.

Small business owners can apply for up to $100,000 with a Kikka Capital Unsecured Business Loan. Once you apply you can be approved within minutes and have the money transferred into your account on the same day.

Kikka Capital operates online and offers a quick, paperless application process. While traditional banks take into account past statements and tax returns, Kikka Capital is an alternative lender that evaluates your business's current performance.

You'll pay no establishment or management fees, and no penalties for early repayments. All loans must be repaid over a period of six months.

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Upfront Fee


Max. Loan Amount

1 to 6 months

Loan Term

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Product NameKikka Capital Loan
Min. Loan Amount$1,000
Max. Loan Amount$100,000
Loan SecuritySecured
Upfront Fee$0
Loan Term1 to 6 months
  • Please note that Kikka has now been rebranded to Propell – Cash Flow Hero.

How does the Kikka Capital Business Loan work?

Depending on the finances of your business, Kikka Capital can grant loans of up to $100,000 to be repaid over a maximum of 6 years. The loan, which operates as a line of credit, can be used for any business expense. While the loan is flexible, business owners must allow seven days between withdrawals.

If you don't access the funds within 60 days, the line of credit will be closed at no additional fee.

Features of the Kikka Capital Unsecured Business Loan

Some of the features of Kikka Capital's business loans include:

  • Paperless application process. The entire application process is online. Your business' information is evaluated without paper documentation, past bank statements or tax returns.
  • Loan amount and terms. You can apply for a business loan up to $100,000 and have between one and six months to repay what you owe.
  • You can adjust the repayment period. Loans are repaid over a maximum 6 years, but you have the option to make additional repayments and shorten the period based on what you can afford.
  • Interest rates are tailored to what your business can afford.The information you provide will also determine your interest rate. You will be charged between 2% and 9.75% of the loan amount the first two months and then 1% per month for the rest of the loan period.
  • You pay no fees. Kikka Capital charges no establishment or management fees. You can also make early repayments without being charged a penalty.
  • Any business can apply. As long as your business makes at least $10,000 a month and has had an active ABN for at least 12 months you can be eligible for a Kikka Capital Business Loan.

How much does the loan cost?

Kikka Capital charges no interest on its business loans, and customers pay no establishment fees for setting up the loan. Loan fees are calculated based on your business's overall health. You can expect to pay:

  • Between 2% and 9.75% of the loan amount for the first two months
  • 1% per month for the rest of the loan period.

How you can apply for the Kikka Capital Business Loan

You can submit your business loan application online by clicking "Go to Site" and following the prompts. The process requires no paper documents and your business is evaluated immediately by Kikka Capitals' online technology. Your business needs to meet the following criteria to apply:

  • Be an Australian business
  • Have an active ABN that's been registered for at least 12 months
  • Have a monthly turnover of at least $10,000
  • Be a sole trader, partnership, business, company or trust

You'll be asked to provide the following information:

  • Proof of business ownership in the form of your ABN
  • Personal and business contact information
  • Your driver's licence details

Providing an alternative to traditional banks' loan products, Kikka Capital offers small businesses unsecured lines of credit at tailored loan fees.

Comparison of other business loans

Whilst we don't directly compare Kikka Capital Unsecured Business Loan, compare other business loans offering similar features.

Name Product Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
Zip Business Loan
6 months to 3 years
No establishment fee
Borrow up to $500,000 with loan terms of up to 3 years. Flexible weekly, fortnightly and monthly repayment options available with no early repayment fees.
Moula Business Loan
1 to 2 years
2% Establishment fee
A loan of up to $250,000 that can be approved and funded within 24 hours. Available to businesses with 6+ months operating history and $5,000+ monthly sales.
Swoop Finance Business Loan
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Depending on your loan contract
Apply online and borrow between $1,000 and $100,000,000. Options for good and bad credit borrowers.
ebroker Business Loan
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Small business loans available between $5,000 and $5,000,000. Get access to 70+ non-bank lenders on this independent platform.
Lumi Unsecured Business Loan
3 months to 3 years
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Apply for up to $300,000 from Lumi and benefit from short loan terms, no early repayment fees and once approved receive your funds in just one business day.
Max Funding Unsecured Business Loan
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Valiant Finance Business Loan Broker
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A Business Lending Specialist from Valiant Finance can give you access to competitive business loans from over 70 lenders. Loans between $5,000 and $1 million are available. Request a call – your loan can be funded in 1 business day.
OnDeck Business Loans
6 months to 2 years
3% of loan amount
Apply for up to $250,000 and receive your approved funds in one business day. Minimum annual turnover of $100,000 and 1 year of trading history required.
Octet Trade Finance
1 month to 2 years
Transaction fee 2.5%
Access a line of credit to pay suppliers in over 65 countries. Borrow from $200,000 up to $7 million.
Prospa Business Loan
3 months to 3 years
3% origination fee
Small business loans are available from $5,000 - $300,000 on terms of up to 3 years. At least six months trading history and a monthly turnover from $6,000 is necessary.
Heritage Bank Fully Drawn Business Loan
No maximum amount
1 to 25 years
Application fee is available upon application
Get access to a loan from $20,000 with no maximum limit with Heritage Bank. Loans can be secured by residential and non-residential property and have terms of up to 25 years.
Westpac Business Loan
1 to 30 years
$0 application fee
Purchase a new vehicle, equipment or support your cash flow with a business finance solution from Westpac.
ANZ Secured Business Loan
Up to 15 years
Benefit from a low rate when you secure this loan with property and/or business assets. Loans from $10,000 available.
ANZ Unsecured Business Loan
Up to 15 years
Apply for a loan from $10,000 with no security required and benefit from flexible repayment terms.

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    Default Gravatar
    July 25, 2017

    hi. im looking for an unsecured business loan $20k. Im self employed under PTY Structure and can provide 2016 financials prepared and signed off by my accountant plus i have 2016 tax return. I dont have live data via a myob or xero but just financilas. which lender can help?

      Avatarfinder Customer Care
      July 26, 2017

      Hi Alan,

      Thank you for your inquiry.

      If you wish to apply with Kikka Capital Unsecured Business Loan you would need to meet the eligibility criteria, which are the following:

      – Be an Australian business
      – Have an active ABN that’s been registered for at least 12 months
      – Have a monthly turnover of at least $10,000
      – Be a sole trader, partnership, business, company, or trust

      In line with this, should you need additional options for an unsecured business loan you might be interested in the options available through the following pages:

      Unsecured Cash Business Loans
      Unsecured business loans

      I hope this information has helped.


    Default Gravatar
    December 27, 2016

    Do you give loans to businesses in New Zealand. Please let me know

      Avatarfinder Customer Care
      December 27, 2016

      Hi Zaid,

      Thanks for your question.

      Unfortunately, Kikka Capital Unsecured Business Loan is only available to Australian businesses.

      You may want to check loans for non-residents instead and see how you can get a loan in Australia.


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