Smaller unsecured
Same-day funding possible
Linked bank statements, ID and a quick e-sign. Suits trading businesses that need up to the low six figures.
How it works →Fast business funding, matched to what happened
Something just hit the business? Fast funds for what happened.
A machine died, wages are due or a big order just landed. Tell us what happened and by when, and one real person works out which funding can actually land in time. Same-day funding is possible for some.
- No credit check to ask
- Not sprayed to a list
- One real person
No credit check to ask
Finding out what's possible doesn't touch your credit file. A credit check only happens if you choose to go ahead with an application.
Not sprayed to a list
Your enquiry isn't fired off to a dozen lenders the moment you hit submit. One person picks the lender that suits what happened.
One real person
Someone who knows urgent business lending reads your enquiry and calls you. Answer the form accurately and the first option you hear about is one that can actually land in time.
How fast is fast?
What's realistically possible, once the file is complete
Speed depends on the route and on how ready you are. These are the ranges lenders work to. They're possible, not promised.
$20k to $250k on property
Same day possible
A caveat or second mortgage over property with equity, once the title, value and signers are sorted.
How it works →Up to $5m on property
Possible within 24–48 hours
Larger property-secured loans, once the valuation, title work and every signer are in place.
How it works →We never publish rates. Fast funding usually costs more than slower lending, so borrow only what the problem needs.
Start where you are
By what happened, by loan type or by industry
Start with the problem
Fast business funding for what just happened
A machine died, wages are due, a supplier wants paying before they ship, or a big order just landed. Pick what happened and see the funding route that fits it.
The loans that move quickly
Fast business loan types
Unsecured, property-secured, short-term and cash flow loans. What each one is, how quickly it can realistically land and what it asks of you.
Built around your trade
Fast business funding by industry
Every industry has its own emergencies. Tradies wait on builders, cafés lose a fridge, truckies blow a tyre. Here's how fast funding works in yours.
What actually sets the pace
Most delays are on our side of the desk, not the lender's
Lenders that specialise in fast business funding can decide in hours. What usually decides whether money lands today or next week is how quickly the file comes together: statements, signatures, the invoice and, for property, the title.
Get the left-hand column sorted and you're already ahead. Our guide to what slows an urgent business loan down goes through each one.
| Speeds it up | Slows it down |
|---|---|
| Online banking ready to link on the first call | Hunting for PDF statements |
| Every director able to e-sign today | A co-director overseas or unreachable |
| A tax invoice or quote for what's being paid | "Working capital" with no detail |
| BAS lodged, even if not all paid | Unlodged BAS and an unknown tax bill |
| Property value, loan balance and owners known | Nobody sure whose name is on the title |
Free tool
What happened, how much, by when. Your route in seconds.
The fast funds route planner takes what happened, the amount, your deadline and what you can offer as security, and shows the route most likely to land in time, with a to-do list. Nothing you enter leaves your browser.
- 1Pick what happened
- 2Enter the amount and your deadline
- 3Say what security and paperwork you have
- 4Get your route, a timeline and what to do next
Straight answers
Four things people get wrong about fast business loans
Fast loans skip the checks.
Fast lenders still check ID, bank statements and credit. They just do it quickly, often in the same call.
The quickest loan is always the best one.
Fast funding usually costs more. Borrow only what the emergency needs, over a term that suits it, and plan how you'll get out.
Bad credit rules out fast funding.
Recent defaults narrow unsecured options, but property-secured lenders can often look past them if the exit is clear.
Applying to five lenders gets money faster.
Several applications at once mean several credit checks, which can slow the next lender down. One well-matched enquiry is quicker.
Guides
Guides for owners under pressure
How Quickly Fast Business Funding Really Lands
An honest walk through how quickly fast business funding lands: each step from enquiry to funds, the speed ranges lenders work to and where hours are lost.
What Slows an Urgent Business Loan Down (and How to Fix It)
The eight things that most often slow an urgent business loan down, from unlinked bank statements to absent signers, and the simple fix for each one.
The Real Cost of Borrowing in a Hurry
How to weigh the extra cost of fast business funding against the cost of waiting: lost trade, penalties and missed deals, with a simple way to compare them.
Questions owners ask us first
How fast can my business get funded?
Same-day funding possible for smaller unsecured amounts; $20k to $250k possible same day (property-secured); up to $5m possible within 24–48 hours once the file is complete. Those are what's possible, not promises; missing documents or signers are what usually slow things down.
How much can I borrow?
Unsecured and cash flow loans for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans from $20,000 to $5,000,000 (first mortgages, second mortgages and caveat loans over residential or commercial property).
Will asking affect my credit score?
No. There's no credit check when you first enquire. One only happens if you choose to go ahead with an application.
What do I need ready to move quickly?
Online banking you can link, photo ID for every director, your ABN, a quote or invoice for what the money is for and, for property-secured loans, the property address, value and loan balance.
Can you pay my supplier or repairer directly?
Often, yes. Many lenders can pay an invoice straight to the supplier, which can help release goods or start a repair sooner.
Do you send my details to a list of lenders?
No. One person reads your enquiry, works out which lender suits what happened and talks to you before anything goes anywhere.
Is this for personal loans?
No. Everything here is for business purposes only.
Business purposes only. We never publish interest rates; every loan is priced on the business's situation.
Clock ticking?
Tell us what happened, how much and by when. One real person reads it and calls you. No credit check to ask.
No credit check to ask
Not sprayed to a list
One real person