Quick business loans for Australian owners
Borrow against property for larger amounts and fewer questions, or against your trading when there's no property in the picture. One person who knows private and specialist lending reads every enquiry and calls you.
No credit check to enquire
Asking what your property or your trading could support leaves your credit file alone. A credit check only happens if you decide to apply.
Kept off the mailing lists
We don't blast your details to every lender we know. One person reads the file and approaches the private or specialist lender that suits it.
A person, not a portal
Someone experienced in property-backed and private lending reads your enquiry and rings you. Give accurate answers and the first route you hear about is one that can settle.
Two quick routes
That one question decides most of what follows: how much you can borrow, how quickly, and how much your paperwork and credit history matter.
With property
Caveats, second mortgages, private mortgages and bridging finance over a home, investment property or premises.
Without property
Term loans, cash flow loans, working capital and short-term loans for businesses that trade steadily.
We never publish rates. Quick lending usually costs more than slow lending, so borrow what the need requires and plan how the loan ends.
Find your page
The quickest route to larger amounts
Caveat loans, second mortgages, private mortgages and bridging finance. When there's equity in property, private and specialist lenders can move far faster than a bank.
No property needed
Unsecured, cash flow, working capital and short-term loans for trading businesses, sized on turnover and what your bank statements show.
Start with the deadline
A supplier wants paying, the ATO wants a plan, a settlement date is fixed or your credit file isn't spotless. Here's how quick lending handles each.
Why property-backed loans are quick
Private and specialist lenders don't skip the checks. They just use quicker ones: electronic title searches, desktop valuations and e-signing. When every owner is available and the exit is clear, the whole chain can run in a day.
Our guide to how a caveat loan can settle in days goes through each step and what holds it up.
You tell us the need and the property
What it's for, the address, a rough value, what's owing, who's on title and how you'll repay.
We match a lender
Private and specialist lenders each like different properties, amounts and situations. We pick one that fits.
Title search and valuation
Electronic title search in minutes. A desktop valuation can come back the same day for standard properties.
Everyone signs
Every owner on title signs electronically, usually after a short call with a solicitor.
Funds land
The caveat or mortgage is lodged and money is paid, often straight to the ATO, supplier or vendor.
Free tool
The property equity checker takes your property's value, what's owing and what you need, then shows your loan-to-value ratio before and after, a conservative guide limit and the structure most likely to fit. It runs in your browser and nothing is sent.
Example: house worth $950,000
Bank or private lender?
Banks are cheapest when you have time, current tax returns and clean credit. When one of those is missing, a private lender can solve the problem now and a bank can refinance it later. Read which suits a quick business loan.
| Bank | Private lender | |
|---|---|---|
| Decision time | Weeks | Days, sometimes the same day |
| Paperwork | Tax returns and financials | Property details and exit evidence |
| Credit marks or ATO debt | Often a stopper | Weighed case by case |
| Cost | Lowest | Higher, for a shorter time |
Guides
The steps behind a quick business caveat loan, from first call to funds, what each one needs from you, and the hold-ups that turn days into weeks.
Comparing a caveat loan and a second mortgage for business: speed, term, cost, paperwork and exit, with a simple way to decide which suits your situation.
When a private lender beats a bank for a quick business loan, and when it doesn't: speed, cost, paperwork, credit history and how to move from one to the other.
$20k to $250k possible same day (property-secured); up to $5m possible within 24–48 hours once the file is complete; same-day funding possible for smaller unsecured amounts. These are possible, not promised. Missing signers, unclear title or an uncertain exit are what usually add time.
Property-secured business loans from $20,000 to $5,000,000 (first mortgages, second mortgages, private mortgages and caveat loans over residential or commercial property). Unsecured and cash flow loans for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
No. There's no credit check when you enquire. One only happens if you decide to apply.
No. Unsecured loans don't need property. Property simply opens up larger amounts and more flexibility with credit history and paperwork.
A short-term loan where the lender lodges a caveat on your property's title instead of a full mortgage. It's usually the quickest property-backed structure, for terms of weeks to twelve months.
No. One person reads your enquiry and approaches the lender that suits it, after talking to you.
No. Everything we arrange is for business purposes only.
Business purposes only. We never publish interest rates; every loan is priced on the business's situation and security.
Tell us what it's for, what property you could use and how you'll repay. One person reads it and calls you. No credit check to enquire.
No credit check to enquire
Kept off the mailing lists
A person, not a portal
