At a glance
| Loan size | $20,000 to $5,000,000 |
|---|---|
| Security | Caveat, 1st or 2nd mortgage over Australian property |
| Property types | Homes, investment property, commercial, industrial and vacant land |
| Financials needed | None |
| Terms | Short term, flexible |
Why owners choose us when it's urgent
Large amounts usually mean long waits: valuations, credit committees, accountant letters. A property-secured loan skips most of that. We look at the property, the equity and your exit plan, not three years of financial statements.
That's how a $1.5 million loan can go from phone call to funded in about a day, even for a business with a messy tax position or a recent default.
Who it suits
- Amounts from $20,000 up to $5 million
- Owners who can't produce up-to-date financials
- ATO debts, defaults or past credit issues
- Time-critical purchases and settlements
How it works
- Check eligibility60 seconds online, with no credit score impact.
- Talk to a specialistWe confirm the amount, property and exit plan the same day.
- Get a written offerEvery cost set out clearly, often with just a desktop valuation.
- Sign and settleE-sign, we lodge the security, and funds land in as little as 24 hours.
What you'll need
- Photo ID for each borrower and guarantor
- Property address and who owns it
- What's owing on the property (if anything)
- The loan purpose and your exit plan
Not needed: No tax returns, financial statements, BAS or accountant letters.
A business purchase with a settlement date that moved forward
A Melbourne buyer's bank finance for a $900,000 business acquisition stalled a week before settlement. He owned his home with solid equity. We funded a first-ranking caveat loan the next day, settlement went through on time, and he refinanced to the bank eight weeks later.
Frequently asked questions
How can a business loan be funded in 24 hours?
Because it's secured by property, we don't need a full financial review. We verify ownership and equity, often with a desktop valuation instead of a full one, issue the offer the same day, and settle electronically through PEXA.
Does the property have to be in the business's name?
No. It can be owned by you, a director, a related company or trust, or another guarantor who agrees to offer it as security.
What happens after the term ends?
Most clients repay from a sale, a refinance to a bank once their financials are in order, an insurance payout or incoming business revenue. We agree the exit with you up front, so the loan is set up to finish cleanly.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
