Funds in as little as 2 hours without property, or up to $5 million in 24 hours secured by property, with no financials and bad credit considered. Helping Australian businesses since 2012.
Every business we fund fits one of two lanes. Tell us which one is you, and we'll show you how fast you can be funded.
Own property
No propertyNo committees, no accountant letters, no four-week wait. Here's the real timeline.
Answer six quick questions. No credit check and no cost.
A real person calls, confirms your lane and tells you exactly what's needed.
Every cost in writing, usually the same business day.
As little as 2 hours for cash-flow loans, or 24 hours for property-secured loans.
24 hrsA caveat loan is a short-term business loan secured by lodging a caveat on the title of property you own, instead of registering a mortgage.
Learn more → 24 hrsA property-secured business loan uses the equity in Australian real estate to fund your business.
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24 hrsA second mortgage business loan is secured behind your existing home or property loan, so you unlock equity without refinancing it or losing your…
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24 hrsBusiness bridging finance is a short-term loan that covers the gap between needing money now and receiving it later, from a property sale,…
Learn more → 2 hrsAn unsecured business loan is approved on your business's trading performance, not on property.
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2 hrsA business line of credit is a revolving limit you can draw on and repay as often as you like, paying interest only on what you use.
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2 hrsEquipment and asset finance funds the purchase of business equipment, such as machinery, trucks, utes, kitchens or medical gear, with the asset…
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2 hrsInvoice finance advances most of the value of your unpaid business-to-business invoices within days, instead of waiting 30 to 90 days for…
Learn more →From an ATO garnishee to a once-in-a-decade business purchase, pick your situation and see how quickly we can move.
Pay an ATO or tax debtWith or without property
Buy a businessWith or without property
Repair broken equipmentNo property neededConsolidate business debtsWith or without property
Hire new staffNo property needed
Pay wages & superNo property needed
Fix a cash-flow gapWith or without property
Survive a temporary shutdownWith or without propertyPay legal costsWith or without property
Recover from flood, fire or stormWith or without propertyTradies, truckies, cafés, clinics, farms and factories. We know how your cash flow works.
IBF made the loan process very easy. Short and quick application and I had the money in my account the next day.
The quick turn around time really helped us get back on our feet. I will be keeping IBF in mind for any future business funding needs.
Everything happens by phone, online and with electronic settlement, so wherever you are, you get the same speed.
Cash-flow loans can be funded in as little as 2 hours after approval, based on your business bank statements. Property-secured loans from $20,000 to $5 million can be funded in as little as 24 hours.
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you go ahead.
Yes. On property-secured loans, equity matters far more than your credit file, and ATO debt is considered. On cash-flow loans, we focus on your current trading.
Not for property-secured loans. For cash-flow loans we use read-only access to your business bank statements instead of accountant-prepared financials.
Property-secured loans range from $20,000 to $5,000,000 depending on your equity. Cash-flow loans are sized to your turnover.
No. There's no cost to apply, and every cost is set out in writing before you sign.
See if you qualify in 60 seconds. Funds in as little as 2 hours without property, or up to $5M in 24 hours secured by property. No cost to apply, and no credit score impact.
SydneyNSW
MelbourneVIC
BrisbaneQLD
PerthWA
AdelaideSA
Gold CoastQLD