Fast business loans, Australia-wide
Business loans funded in as little as 24 hours.
Unsecured from $5k to $500k. Property-secured from $20k to $5m with no valuation. Approval within the hour is common, and 15-minute approvals happen. No credit check to enquire.
Rather talk? Call 07 3106 8922
- 60 secto enquire online
- 15 minapproval possible
- 1 hourapproval common
- 24 hoursfunds can land
Pick your lane
Every business loan, built for speed.
The fastest loan is the one that matches the job and the security you have. Here are the six lanes most businesses use when the clock is running.
24-hour unsecured loans
$5k to $500k
Sized on your turnover and bank statements. The quickest lane when statements are ready to share.
See how fast → No valuation24-hour caveat loans
$20k to $5m
Property-backed funding that can be approved within the hour. Interest can be prepaid or added.
See how fast → Keep your home loanFast second mortgages
$20k to $5m
Borrow against equity without refinancing the first mortgage you already have.
See how fast → Wages, stock, billsSame-day working capital
Short terms
For a gap measured in days or weeks, not years. Repaid as the money comes back in.
See how fast → Pay for what you useFast line of credit
Draw, repay, redraw
A standing limit for gaps that keep coming back, so the next one is not an emergency.
See how fast → Stop the clock on GICUrgent ATO debt funding
Case by case
Clear an ATO balance quickly when a payment plan is not enough or not available.
See how fast →Cash by tomorrow
What has to be paid, and when?
Urgent money problems come with a time stamp. Start with yours and see what can realistically happen in the next 24 hours.
The 24-hour timeline
What happens after you hit submit
- 0:00
You enquire
Sixty seconds online: amount, purpose, turnover, whether you own property. No credit check to enquire.
- 0:10
A real person calls
In business hours, usually within minutes. They confirm the details and ask for bank statements or property details.
- 0:15 to 1:00
Approval
As fast as 15 minutes for a clean profile. Within the hour is common once the key evidence is in.
- Same day
Documents and e-signing
Loan documents arrive electronically. Every borrower and guarantor signs. Any property security is lodged.
- 24:00
Funds land
Funding within 24 hours is possible. What decides it is how fast signatures and conditions come back.
Free speed tool
Find your blockers before they find you.
Eight quick questions show your realistic funding timeline and exactly what is likely to slow you down: missing statements, a trust deed, a co-owner overseas. Fix them tonight, get funded faster tomorrow.
Open the funding speed checker →Speed myths
Fast does not mean reckless.
"Fast loans skip the checks."
The checks still happen. They just happen in parallel and with less paperwork, because the right evidence, bank statements or property, is gathered up front.
"Property loans take weeks."
The slow part of property lending is usually the valuation. Our property-secured loans need no valuation, which is why approval within the hour is realistic.
"Bad credit means no."
It means a closer look. Defaults, arrears and ATO debt are weighed against how the business trades now and any security on offer.
"Enquiring will hurt my credit score."
There is no credit check to enquire. A check only happens if you decide to go ahead with an offer.
No credit check to enquire
Asking where you stand leaves your credit file alone. Any check comes later, and only once you decide to go ahead.
No spray and pray
Your enquiry is not blasted out to a dozen lenders. One team works it, start to finish.
A real person, fast
A human picks up your enquiry, usually within minutes in business hours. Accurate answers on the form mean a faster, cleaner match.
Your industry
Fast funding, your industry's way
Builders, tradies, truckies, cafes, clinics and more. Each page covers the usual urgent needs and how to get approved faster.
- Builders
- Tradies
- Transport operators
- Manufacturers
- Mining services
- Mechanics
- Property developers
- Cleaning companies
- Labour hire
- Cafes and restaurants
- Retailers
- Online sellers
- Pubs and bars
- Wholesalers and importers
- Wineries and breweries
- Tourism operators
- Events businesses
- Medical and dental
- Salons
- Gyms and studios
- Childcare centres
- Professional services
- Real estate agencies
- Farmers
Australia-wide
From Perth to Cairns, one fast enquiry.
Time zones, land titles offices and local industries all shape the funding clock. Find your city or region.
Speed guides
How to get funded faster
What slows business loan approvals, and how to avoid every delay
The real reasons business loan approvals drag on, from missing statements to trust deeds and changing numbers, and exactly how to avoid each one.
Read the guide →Documents and evidenceThe documents to have ready for fast business funding
Exactly which documents lenders ask for when you need a business loan fast, why each one matters and how to have them ready in one folder before you enquire.
Read the guide →Speed basicsHow same-day business funding actually works
Same-day business funding explained hour by hour: enquiry, call, approval, e-signing and payment, and the cut-offs that decide whether it happens.
Read the guide →Speed basicsBank versus non-bank business loans: which is faster, and why
Why non-bank business loans are usually faster than bank loans, where the time goes in each, what the trade-offs are and when a bank is still worth the wait.
Read the guide →Speed basicsHow 15-minute business loan approvals actually work
What has to be true for a business loan to be approved in 15 minutes, why most approvals take closer to an hour, and how to put yourself in the fast lane.
Read the guide →Speed basicsWhat happens in the 24 hours after you apply for a fast business loan
A step-by-step map of the 24 hours after a fast business loan enquiry: the call, evidence, approval, signing, conditions and payment, and your job at each step.
Read the guide →Fast business loan questions
How fast can a business loan really be funded?
Funding within 24 hours is genuinely possible. Approval can be given in as little as 15 minutes and approval within the hour is common when your enquiry is accurate and your documents are ready. Money then moves once documents are signed, which is often the same day or the next business day.
How much can I borrow?
Unsecured cash flow loans and lines of credit are typically $5k to $500k, sized on turnover and bank statements. Property-secured business loans, including first mortgages, second mortgages and caveat loans, run from $20k to $5m.
Do property-secured loans need a valuation?
No. Our property-secured business loans need no valuation, which removes one of the biggest sources of delay in property lending.
Will enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only happens later, once you choose to go ahead with an offer, and you will know before it happens.
Can I get a fast loan with bad credit?
Often, yes. Defaults, past arrears and ATO debt are considered case by case. Property security and recent bank statements can carry a lot of weight.
Do I have to make repayments straight away?
Not always. On property-secured loans, interest can be prepaid or added to the loan, so there may be no regular repayments during the term. Unsecured loans usually have regular repayments.
Will my details be sent to lots of lenders?
No. Your enquiry is handled by one team. We do not spray it around the market, and a real person looks at your situation before anything else happens.
What can the money be used for?
Any genuine business purpose: wages, tax, stock, equipment, a property settlement, a deposit, a fit-out or refinancing a more expensive debt. Finance is for business purposes only.
The clock is ticking. Let's get you funded.
One 60-second enquiry. No credit check to enquire, no spraying your details around, and a real person on it fast.