Fast business loans in Australia

When the property, the purpose and the exit are clear, approval usually comes the same business day. Funds can be in your account within 24 hours on a straightforward file; most loans settle within two to five business days. The things that slow a loan down are missing documents, a co-owner who isn't ready to sign and a payout figure that takes days to arrive from the existing lender.

From $20,000 to $5,000,000. The amount depends mainly on the equity in the property you offer as security and on how the loan will be repaid. We look at the value of the property, what is already owed against it and the strength of the exit, rather than running every loan through a bank-style income calculator.

Yes. Defaults, late payments, a past ATO debt or a bank decline don't rule you out. Because our loans are secured by property, the security and the plan to repay carry more weight than a credit score. Be upfront about the history when you enquire — surprises found later are what slow a file down.

Not always. On many property-secured loans we can approve without business financials, because the equity and the exit carry the deal. We still need identification, proof of ownership of the security property, the existing loan statement and a clear explanation of what the money is for and how it will be repaid.

Residential or commercial property in Australia owned by you, your company, a director or a guarantor. It can already have a bank mortgage on it — a second mortgage or a caveat sits behind the existing loan. Vacant land and specialised property are considered case by case.

No. There is no credit check when you first enquire. We look at the deal first and give you an indicative answer. A credit check is only run later, with your consent, once you decide to go ahead with a formal application.

Fast private lending costs more than a bank loan, and every loan is priced on its own security, size, term and risk. You get the full cost in writing before you sign — interest, fees and the total repayable — so you can compare it properly. Speed is worth paying for when the alternative is losing a deal, a contract or the business.

No. We never order valuations. We assess the property ourselves, so there is no valuer to book, no valuation fee and no waiting for a report — one of the main reasons our loans move faster than a bank loan. If you have a recent appraisal or know what similar properties nearby have sold for, tell us; it helps, but it is not required.

It must be for a business purpose: paying the ATO, settling a purchase, buying stock or equipment, covering wages, finishing a project, clearing a creditor or bridging to a sale or refinance. It can't be used for personal or household spending.