Fast business loan products
Property-secured business loans from $20,000 to $5,000,000, approved the same day when the deal is clear.
Choosing the right fast business loan
Every loan on this page has the same backbone: it's secured by property, it's built for business purposes, and it's repaid from a clear exit. What changes is how the security is taken and how long the money is needed for. Get that match right and approval is fast. Get it wrong and you'll either pay for more than you need or wait for paperwork you didn't have to wait for.
| If you need… | Look at | Why |
|---|---|---|
| Money in a day or two, short term, existing bank loan stays put | Caveat loans | Quickest to put in place; no change to the first mortgage |
| A larger amount behind your existing loan for months rather than weeks | Second mortgages | Registered security suits bigger loans and longer terms |
| To get out of the bank, or the bank is calling the loan in | Private first mortgages | Refinances the existing lender and can release equity |
| To settle a purchase before a sale or refinance completes | Bridging loans | Covers the gap between two settlements |
| To fund a commercial property or development stage | Commercial loans | Lends on commercial security and project exits |
| Cash for wages, suppliers or tax while you wait on payments | Working capital loans | Short term, repaid as receivables or refunds land |
Not sure which fits? You don't have to choose. Start the 60-second enquiry, tell us the amount, the property and the exit, and a lender will tell you which structure gets the money there fastest. There's no credit check to enquire.
What every product has in common
- Loans from $20,000 to $5,000,000, secured by residential or commercial property.
- Same-day approval is common; funds can arrive within 24 hours on straightforward files.
- Bad credit, past ATO debt and bank declines are considered.
- No business financials needed in some scenarios — the property and the exit carry the deal.
- Pricing in writing before you sign. Fast private money costs more than bank money; it's for when speed is worth it.
Property-secured business loans
The core of what we do: loans secured by a first mortgage, second mortgage or caveat over residential or commercial property.
Caveat loans
Fast caveat loans for business from $20,000 to $5m, secured on property you or a director own. Same-day approval is common. No credit check to enquire.
Read more →Second mortgages
A fast second mortgage lets your business borrow against property equity without refinancing the bank loan. $20,000 to $5m, decisions the same day.
Read more →First mortgages
Private first mortgage business loans from $20,000 to $5m. Refinance out of the bank fast or borrow against clear property. Same-day decisions common.
Read more →Bridging loans
Fast bridging loans for business: cover the gap between buying and selling, or until refinance lands. $20,000 to $5m, secured on property, decided quickly.
Read more →Secured loans
Fast secured business loans from $20,000 to $5m using residential or commercial property as security. Same-day approval common, low-doc options available.
Read more →Bad credit loans
Fast bad credit business loans for owners with defaults, ATO debt or a bank decline. Property security and a clear exit decide the deal, not your score.
Read more →Small business loans
Fast small business loans from $20,000 to $5m, secured by property. Same-day approval is common and some files settle within 24 hours. Here's how it works.
Read more →Collateral loans
Collateral loans for business let you use property equity, including a director's home, to borrow $20,000 to $5m fast. Decisions often the same day.
Read more →General business loans
Business loans for any purpose: stock, tax, wages, equipment or a deposit. $20,000 to $5m secured by property, with same-day approval common on clear files.
Read more →Business finance
Fast business finance explained: caveats, second and first mortgages, bridging and cash-flow funding. Which is quickest, what each needs and when to use it.
Read more →Startup loans
Fast business loans for startups with no trading history. Use residential or commercial property as security, borrow $20,000 to $5m and get a same-day answer.
Read more →Buying a business
Need a loan to buy a business fast? Fund the deposit or the full price against property, $20,000 to $5m, with same-day approval common and quick settlement.
Read more →Franchise loans
Franchise loans in Australia for new sites, resales and refits. Borrow $20,000 to $5m against property, with same-day approval common and settlement in days.
Read more →Commercial loans
Fast commercial loans from $20,000 to $5m against commercial or residential property. Same-day answers, quick settlement and a clear exit plan from day one.
Read more →Development loans
Commercial development loans for site deposits, cost overruns, completion gaps and residual stock. Property-secured, fast answers, built around your exit.
Read more →Cash flow loans
Fast cash flow loans to cover payroll, suppliers and tax while customers take their time to pay. An invoice finance alternative with same-day answers.
Read more →Asset finance
Fast asset finance for business: buy plant, machinery, trucks or fit-outs quickly using property as security. Auctions, private sales and older gear welcome.
Read more →Stock loans
Need a loan to buy stock fast? Fund peak-season orders, import containers and bulk buys with property-secured finance, then repay as the stock sells.
Read more →Fast funding by situation
How quickly money can move, what it takes, and the situations where speed matters most.
Same day loans
Same day business loans in Australia, hour by hour: what we need by mid-morning, when approval lands and what decides if funds follow today or tomorrow.
Read more →Quick business loans
Quick business loans in Australia compared side by side: caveat, second mortgage, unsecured and bank routes — how fast each one really is and when to use it.
Read more →24 hour loans
24 hour business loans happen when seven things line up. See what must be true for a business loan funded in 24 hours, and how to get your file ready tonight.
Read more →Emergency loans
Emergency business loans for an ATO garnishee, supplier stop, payroll or lease arrears: how to triage the crisis, what to fix first and how fast money moves.
Read more →No credit check
Fast business loans no credit check, explained honestly: no check to enquire, when a check does happen, and why property-secured lenders look past your score.
Read more →Fast loans for business
Fast loans for business explained: how business-purpose loans differ from payday and personal fast loans, and where fast cash for business really comes from.
Read more →Low doc loans
Fast low doc business loans from $20,000 to $5m, secured by property. Often no financials needed and same-day approval is common. See exactly what we ask for.
Read more →Tax debt loans
Business loans for tax debt: pay the ATO in full, stop interest compounding and head off a director penalty notice. Fast, property-secured, past ATO debt OK.
Read more →Self employed loans
Fast business loans for self employed people: sole traders, contractors and ABN holders. Property-secured, often no tax returns, approval often the same day.
Read more →Bank too slow
When the bank is too slow or has said no, a property-secured business loan can be approved the same day and settle in days. Here's how to keep your deadline.
Read more →Working capital
Fast working capital loans to fund wages, materials and new contracts while revenue catches up. Property-secured from $20,000 to $5m, same-day answers common.
Read more →Refinancing
Fast business loan refinancing for maturing loans, stacked daily-repayment debt and ATO arrears. Property-secured from $20,000 to $5m, with same-day answers.
Read more →Calculators and tools
Use your own numbers before you talk to us.
Business loan calculator
Estimate the total cost of a short-term business loan using your own figures.
Read more →Refinance calculator
Compare keeping an existing business loan with refinancing it.
Read more →Property equity calculator
Work out the equity in your property and how much of it could secure a loan.
Read more →Readiness checklist
Tick off what you have ready and see what's left before you apply.
Read more →Frequently asked questions
Which fast business loan is quickest?
A caveat loan is usually the quickest because it doesn't need the existing lender's involvement to register. A second mortgage can be just as fast where the first lender's consent isn't needed or arrives promptly. A private first mortgage takes a little longer because the existing bank loan has to be paid out at settlement.
What's the difference between a caveat loan and a second mortgage?
Both sit behind your existing bank loan. A caveat is a notice on the title protecting the lender's interest; a second mortgage is a registered security with stronger enforcement rights. Caveats suit short, sharp loans; second mortgages suit larger amounts and longer terms. Our comparison guide covers it in detail.
Can I combine products?
Yes. A common structure is a first mortgage that refinances the bank and releases extra equity at the same time, or a bridging loan secured over two properties. Tell us the whole picture and we'll structure the loan to fit the deal rather than forcing the deal into a product.
Do you lend without property?
Our fast loans are secured by property. For trading businesses without property, short-term unsecured cash-flow funding sized on turnover and bank statements can sometimes be arranged, typically for smaller amounts.
Need the money this week?
Tell us the amount, the property and how it gets repaid. A real person reads it and you get a straight answer today — with no credit check to enquire.
Start your 60-second enquiry or call 1300 852 150