Valiant Review (2021)

  • Updated: March 21, 2021
  • 20 Minute(s) Read
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ProductsBusiness Loans
Merchant Cash Advance
Funding Amount$5,000 to $300,000
Loan Terms3 to 12 Months
Min. Trading Period6 Months
Min. Trading Turnover$10,000 a month
Unsecured/Secured Unsecured
Funding SpeedSame day approval
24 hours funding


Unlike the majority of lenders FastBusinessLoans review, Valiant Finance is not a direct lender. You do not go to Valiant Finance for funding, rather the Fintech is a business loan marketplace that connects potential borrowers with over 80 SME lenders. With the Australian small business lending market saturated with non-bank lenders and SME fintech, giving borrowers great diversity of lending choices and products, Valiant aims to help business owners find the best loan deals with ease.

Loan ProductsShort-term business loanMerchant cash advance
Loan Terms & Funding Size
💰 Loan Amount$5,000 to $300,000$5,000 to $300,000
⏳ Loan Length3 to 12 months3 to 12 months
📆Payment scheduleFixed Daily (no interest)Fixed Daily (no interest)
💳 Line of Credit Available?
Loan Costs
💸Fees3% Origination Fee + Processing Fees3% Origination Fee + Processing Fees
﹪Interest Rate TypeFactor RateFactor Rate
🔓 Unsecured Loans?✔️✔️
👍 Early Repayment✔️✔️
Loan Qualification
🎓 Qualification BasicsABN or ACN, Australian Bank Account, Australia citizenABN or ACN, Australian Bank Account, Australia citizen
🛍️ Min. Trading 6 Months6 Months
📅 Min. Turnover $10,000 a month$10,000 a month
Approval & Funding Speed
🏍 Fast Online Application✔️✔️
💨 Funding SpeedPre-approval in 24 hours if link bank account
Funding within 24 hour of approval
Pre-approval in 24 hours if link bank account
Funding within 24 hour of approval

Valiant Finance Unsecured business loan details

Unsecured business loans are simply loans for business purposes that do not require collateral to secure the loan.

This type of loan option is ideal if your business lacks assets such as property or vehicles to guarantee the loan and you need funds fast. This is because the lender does not need to perform a valuation on the assets you will secure. As there is no collateral, the lender will look at the financial health of the business using measures such as cash flow and credit score.

On the flip side, as you do not need to provide collateral, business loan rates and costs can be high as the lender is taking on more risk. To help the lender minimise their risk, they will look at the creditworthiness of the business and require a personal or directors guarantee, this is an agreement obligating the guarantor to pay back the business loan personally in the event the business is unable to do so.

Valiant Pros and Cons


  • Simple Application – less paperwork
  • Less stringent lending criteria
  • Fast access to funds
  • No collateral
  • Build credit rating
  • Developer lender trust
  • Higher credit limit
  • Business assets are safe


  • Higher interest rates
  • Can have hidden costs
  • Personal guarantee / Directors guarantee required
  • Should have good credit history
  • Loan terms can be too short
  • Repayment penalties
  • May need consistent revenue (not for seasonal businesses)

Products – Valiant business loans available

  • Unsecured Business Loans
  • Secured Business Term Loans
  • Line of Credit
  • Merchant Cash Advance
  • Overdraft
  • Equipment Finance
  • Debtor Financing
  • Business Credit Card
  • Commercial Property Finance

Short-term business loan eligibility / qualification:

Minimum Time Business Operating

Minimum Time Business

6 Months

Minimum Turnover

Minimum Turnover

Min. $10,000 a month

Proof with Bank Statements

Credit History

Credit History




Must hold ABN or ACN

Australian Citizen

Must not have a loan with other lenders (big banks excepted)

Proof of ownership

  • ABN
  • $75,000 in revenue per annum
  • 3 months of trading history (3 bank statements)
  • Business is profitable
  • Good credit score (usually 500 – 600 or above

Unsecured business loan funding size and loan terms

  • $5000 to $250,000
  • 3 Months to 5 Years (most are 12 months)
  • Weekly, Fortnightly, Monthly

Unsecured business loan costs and fees

From 9% (typically 10% to 20%)

Early repayment allowed (depending on the lender)

Funding speed

Loan Amount

Loan Amount

$5,000 to $300,000

Term Length

Term Length

3 to 12 months

Payment Schedule

Payment Schedule

Daily for each business day

Fixed daily debit repayments

Low Doc Loans

Low Doc Loans

Yes for under $75,000




Application in minutes

The business bank account can have funds in 24 hours after approval

Valiant Finance Secured term loan details

A secured business loan is a loan guaranteed with an asset of assessable value that will be repaid by a fixed period of time If your business owns assets that a lender will accept for collateral such as property, equipment or vehicles, then using these assets as part of a secured term loan can result in a lower interest rate and a longer loan term (relative to other loans). Use of security also allows your business to overcome issues such as business creditworthiness and lack of cash flow or financial health of the business such as lack of cash flow.

While the use of collateral to secure business finance has a number of benefits, the business does need to have assets to use and the business may need to prove they have ownership claim of the assets. Some lenders may require full ownership of the asset while others may accept assets that still have a partial mortgage. The main risk of using security is that the business can have their assets repossessed in the even loan obligation are not met, if the business needs these assets to maintain operations then these factors should be kept into consideration. Lastly secured loan may not be the best choice is the business needs funding fast as there may be delays (and costs) so the lender can assess the value of the assets you put up for collateral.


  • Larger loan amounts
  • Longer repayment periods
  • Lower interest rates
  • Good if the business has a poor business credit score
  • Can be easier to obtain with banks and other lenders


  • Slow to obtain approval
  • Need suitable assets for security
  • Risk losing the asset if default or miss repayments
  • Administration fees to value
  • Delays to asset value
  • Need proof of asset ownership
  • Not ideal for small/medium loans

Short-term business loan eligibility / qualification:


Have suitable assets with needed value

Proof of ownership of assets

Secured business loan funding size and loan terms

$250,000 to $10M+

Up to 15 years

Often fortnightly or monthly

Secured business loan costs and fees

From ~3% p.a.

Asset assessement costs

Secured business loan funding speed


Valiant Finance Line of credit details

Unlike traditional loans, where borrowers are given one lump sum at the start of the loan, a line of credit works differently. A line of credit a credit or loan facility that you can draw from and pay back at any time within a pre-determined time from. The benefit of this arrangement is that you will only pay interest from the time you draw the capital from the facility, this differs from a standard loan where you pay interest from the start of the loan even if you don’t use all the funds. As you can access a credit line at any time, a line of credit is similar to a bank overdraft or a credit card, the main difference is you access a standalone facility, not a credit account.

A line of credit does give the best flexibility for funding but it is important to be aware that even though interest costs are low, this type of finance does come with fees in the form of maintenance and withdrawal. These fees can creep up on you as credit line does not always come with a regular repayment schedule so you will want to ensure you are disciplined with your repayments. Some lenders may require security but if they don’t, you may need to show you can satisfy the lender’s tough qualification criteria.


  • Only pay interest on capital you use
  • A flexible type of loan
  • Build creditworthiness
  • Can get funds fast as the line is preapproved
  • Good for cash flow


  • Costs for each drawdown
  • Each drawdown is a separate loan on different repayment cycle
  • Costs can creep on you

Valiant Finance Merchant cash advance details

With a Merchant Cash Advance (MCA), the lender advances working capital to the business in exchange for a percentage of the daily sales by EFTPOS, credit or credit cards. This option is best for businesses that take a large portion of sales via card terminals, tieing your repayment to sales makes an MCA suitable for businesses with seasonal cash flow as you pay less when sales are low. If your business model suits this type of cash advance, then you will not need collateral and application should be simple and a low bad credit score is usually ok as your sales are your security.

While an MCA is a very convenient financial solution, they can come with high costs as the lender is taking on higher risk and they should be seen as a short term solution, as most terms require payment within 12 months.

Examples of businesses an MCA is good for include:

  • Retails
  • Restaurants
  • Hotels
  • Online businesses

An MCA usually requires no security so can be fast to get if your business meets the lender’s minimum qualification conditions.

Fast Funding
No fixed repayment schedule
Repayment is matched to turnover
Good option if you have bad credit
No collateral
Convenience as repayment as automatically deducted from daily sales

One of the most expensive types of financing
Reduces your daily profits
Lose control over sales operations (cant accept cash sales)
May required to use lenders preferred payment system

Valiant Finance Business overdraft details

An overdraft simply allows you to continue to draw funds from the businesses bank account once your transaction account funds are exhausted. Your overdraft account is directly tied to your bank’s transaction account to give you an open line of credit that you can draw from and pay back anytime. This type of finance is a good choice for peace of mind as it means the business always has access to funds to pay expenses and maintain cash flow even though the business no longer has savings in the bank. While an overdraft does have high-interest rates, you only pay for what you borrow so this can save you in the long run.

When choosing an overdraft, you need to make sure you watch out for hidden costs such as application fees and maintenance fees and overdraft do have come with higher interest than many other loan types.  You should also be aware of all terms and condition as lenders can require you to repay the loan on demand which can leave the business in a difficult situation.

Valiant Finance Equipment Finance details

If your business is in need of equipment such as motor vehicles, machinery, business supplies and technology then equipment finance can be a good option.

Valiant Finance can help with equipment finance through a range of lending arrangements. These arrangements can include:

  • Equipment loans (chattel mortgage) – With this arrangement, the business purchases the asset upfront and owns the equipment. The asset acts as the security
  • Hire-Purchase agreements – This agreement sees the lender loan the business the equipment and the business own the asset when the loan obligations are paid
  • Lease agreement – Similar to hire-purchase but business does not own the asset but in some instances can purchase the asset at its depreciated value when the loan is paid off

Each method has benefits so it is worth exploring each option.

Payments are daily for business days only.

Equipment Loan / Chattel Mortgage


  • Little documentation required
  • Low credit score ok
  • GST can be claimed back
  • No need for extra collateral
  • Own the asset from the outset


  • Cant easily upgrade or dispose of the asset
  • Responsible for asset costs

Hire-Purchase Agreement


  • Repayments are tax deductable
  • Repayment can be structured to avoid large lumps of payments
  • Interest rates can be fixed


  • Don’t own asset till the loan is paid off
  • Can be costly if the business has poor cash flow, credit rating

Lease agreement (hire only)


  • Lower upfront cost
  • Tax benefits (no GST costs and deductable tax return)
  • Asset acts as collateral
  • Easy to upgrade
  • No maintenance costs


  • Higher cost than paying upfront
  • Don’t own the equipment
  • The minimum lease period can be longer than ideal

Valiant Finance Debtor Finance details

Debtor finance allows your business to unlock the value of outstanding invoices without needing to wait for clients to honour their debt obligations. Valiant finance can help your business get immediate cash by allowing the business to use its accounts receivable ledger as security.  This arrangement ensures your business can maintain cash flow rather than wait 30 to 90 days for clients to pay the invoice.  Debtor finance is best for a business that invoice for payment such as services, manufacturing,  trade and transport.

Valiant Finance can help with two types of debtor finance, these are:

  1. Invoice discounting – with this type of finance, your business is responsible for collecting the invoice payment from the clients
  2. Invoice factoring – With this type of finance, the lender will manage the payment collection from the businesses clients.


  • Immediate cash (no need wait for client to pay)
  • Maintains cash flow
  • Finance tailored to business needs
  • Gives business flexibility to renegotiate payment terms with clients
  • Invoice acts as collateral
  • Invoice acts as collateral
  • Counts as a business expense for tax benefits
  • Avoid the awkward need to chase a client for payments (invoice factoring)
  • Outsourcing debt collection saves time (invoice factoring)
  • Hide business lending arraignment by maintaining debt ownership (invoice discounting)


  • Come with high-interest rates and costs
  • Can affect credit rating
  • Concern about client perception of business (invoice factoring)
  • Liability for unpaid invoices
  • Customers need a good reputation for paying invoices
  • Handing over invoice handling to lenders can hurt reputation (invoice factoring)
  • May need a finance department to reliable handle a high volume of invoices (invoice discounting)

Valiant Finance Business Credit Card details

A business credit card allows you to access funds on credit anytime for business purposes. Possibly the easiest form of a credit to apply for and most convenient as you can use the card to pay for purchases in-store or online, credit cards are best for making small to medium purchases.

While credit cards are safer than carrying cash and a better option than cheque books, a credit card can be misused by untrustworthy employees and come with high-interest rates and other fees. These issues can affect not only the businesses credit score but also personal credit as business credit cards require a personal guarantee.

With Capify you can apply for short-term loans or merchant cash advance of $5,000 to $300,000 for 3 to 12 months. Capify does not offer other loans such as long term or lines of credit.

Valiant Finance Commercial Property Finance Details

Commercial property finance gives you the capital you will need to purchase or invest in real estate that is used for commercial purposes.

Loan conditions will vary according to the type of property you intend to buy, the location of the property and how you intend to use the property.

Type of property

Tier-1 or standard property examples of commercial property include:

  • Offices Space
  • Warehouses / Storage
  • Factories
  • Shop fronts
  • Shopping Centres

These type of properties are in high demand and can be used by a range of businesses so are come with more friendly financial conditions than tier-2 property. Lenders require a minimum deposit of 20-30% of the estate value meaning you can borrow 70 to 80% of the estate’s value.

Tier-2 or specialised property examples include:

  • Accommodation (hotels, resorts)
  • Hospitality (restaurants, cafe pubs)
  • Gyms and recreation facilities
  • Childcare centres
  • Service stations

As these properties are designed for more specialised purposes, they can be difficult to finance due to a smaller potential pool of tenants. As a rule, expect lenders to only be willing to lend 50-65% of the property value. This means you may need to fund 35-50% of the estate yourself.

Location of the property

In addition to tier-1 and tier-2 types of property, the location of the property can also influence the lending conditions. Property in high demand areas such as a business district with high customer traffic will command better loan terms than rural property. Some lenders may not even consider lending to property in low demand areas.

Use of property

Property is purchased for one of two purposes. If you are looking to invest in property and lease it out then the loan process is simpler with better repayment. This is because lenders regard borrowers that invest in property as low risk so can offer better lending terms.

If you purchase property with the purpose of being an owner-occupier then lenders will have stricter eligibility and charge higher interest rates. This is because lenders consider these borrowers to come with a higher level of risk.

Types of loans

Valiant Finance offers 3 loans options, these are:

Full-doc – If you or your business is willing to undergo a complete assessment of your finances and guarantors then the lender will offer you better rates and lending conditions

Low-doc -Requires less paperwork than a full doc. This arrangement only requires you to declare you (or the business) total income and show your ability to satisfy repayments.

No-doc – If you do not wish to use documentation then you (or the business) will need enough security to cover the loan. A no-doc loan has the fastest funding but comes with the highest rates

Valiant Finance Review Bottom line – Conclusions about Valiant Finance

About Valiant Finance

Valiant Finance is an SME Fintech lending specialist that was founded in Sydney, Australia in 2015. The lender aims to help Australian small businesses in Australia that traditionally struggle to get funding from major banks such as Westpac, NAB and ANZ.  The current CEO (co-founder) is Alex Molloy

Valiant finance operated with the following licence

Valiant Finance Pty. Ltd. (ABN 95 606 560 150) holds Australian Credit Licence 500 888.

The lender is an accredited member of the Finance Broker Associated of Australia (FBAA)

See how Valiant stacks up against other lenders