At a glance
| Loan amounts | $20,000 to $5,000,000 (property-secured); cash-flow loans sized to your turnover |
|---|---|
| Fastest funding | As little as 2 hours (cash-flow) or 24 hours (property-secured) |
| Documents | Property-secured: ID and property details. Cash-flow: recent business bank statements |
| Credit history | Bad credit, defaults and ATO debt considered |
| Cost to apply | $0. Checking eligibility won't affect your credit score |
Own property: up to $5M, no financials, 24 hrs
No property: from bank statements, 2 hrs
With or without property
Why owners choose us when it's urgent
When a supplier, the ATO or a settlement date won't wait, a bank's four-to-six-week process is no use to you. We built Instant Business Finance in 2012 around one idea: fund Australian businesses on their timeline, not ours.
Every loan we arrange fits one of two fast lanes. If you own property in Australia, the loan is secured against it, so we don't need tax returns or cash-flow records and your credit history matters far less. If you don't own property, we assess your business bank statements and can move even faster.
Who it suits
- Any business with a bill, debt or opportunity due in days, not weeks
- Business owners the bank has turned down or kept waiting
- Owners with an ATO debt, defaults or a patchy credit file (property-secured lane)
- Trading businesses with steady deposits but no property (cash-flow lane)
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 builder with a garnishee notice and a Friday deadline
A Sydney builder owed the ATO $180,000 and received a garnishee notice on a Tuesday. The bank quoted five weeks. He owned an investment unit with good equity, so the loan went on a caveat with no financials. Funds cleared the ATO debt before the notice took effect.
Frequently asked questions
How fast can I get an urgent business loan?
Cash-flow loans can be funded in as little as 2 hours once your bank statements are verified. Property-secured loans can be funded in as little as 24 hours, because there's no financial review and often no formal valuation. Most delays come from missing ID or slow replies, so have those ready.
Can I get an urgent business loan with bad credit?
Yes. On a property-secured loan, the equity in your property does most of the work, so defaults, past arrears and ATO debt are considered. On a cash-flow loan we look mainly at recent trading, so a messy credit file doesn't automatically rule you out.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't run a credit enquiry. A credit check only happens later, with your consent, if you choose to go ahead.
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.
