At a glance
| Eligibility check | 60 seconds, no credit score impact |
|---|---|
| Decision | Same business day in most cases |
| Funding (cash-flow) | As little as 2 hours after approval |
| Funding (property-secured) | As little as 24 hours, up to $5M |
| Application fee | None |
Why owners choose us when it's urgent
"Fast" gets used loosely in lending. For us it means specific hours: minutes to see if you qualify, hours for a decision, and funds that can land the same day or the next.
We get there by keeping each loan type simple. Property-secured loans skip the financial review entirely. Cash-flow loans use read-only bank statement technology instead of accountant-prepared financials. Nothing sits in a queue waiting for a committee.
Who it suits
- Owners who need money this week, not next month
- Businesses that want a clear yes or no before lunch
- Anyone comparing online lenders on speed
- Companies, trusts, partnerships and sole traders with an ABN
How it works
- Check eligibility60 seconds online, with no credit score impact.
- We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
- Get a decisionUsually the same business day, with every cost in writing.
- Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).
What you'll need
- Photo ID
- Your ABN
- Property details or business bank statements
- What the money is for
Not needed: No tax returns or accountant-prepared financials on either lane.
A café that needed a new espresso machine by Saturday
A Brisbane café's machine died on a Wednesday, right before its busiest weekend. The owner had 14 months of steady card takings. We assessed the bank statements that morning and funded a short cash-flow loan the same afternoon. The new machine was running by Friday.
Frequently asked questions
What is the fastest type of business loan in Australia?
Unsecured cash-flow loans are usually the fastest, because approval rests on your bank statements, which can be verified in minutes. With us they can be funded in as little as 2 hours. For larger amounts, a property-secured caveat loan is the fastest route, often funded within 24 hours.
What slows a fast business loan down?
Mostly paperwork gaps: expired ID, a missing co-owner signature, or bank statements that don't cover the right accounts. For property loans, a title held in a different entity name can add time. We tell you exactly what's needed up front so none of this catches you out.
Do fast business loans cost more?
Speed and flexibility generally cost more than a slow bank loan, and short terms mean you pay interest for less time. We show you every cost in writing before you sign, so you can judge whether the speed is worth it for your situation.
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.