At a glance
| Typical uses | Repairs, replacement equipment, wages, stock, bonds, legal costs |
|---|---|
| Cash-flow lane | Funds in as little as 2 hours, no property needed |
| Property lane | $20k–$5M in as little as 24 hours, no financials |
| Credit history | Considered case by case; not an automatic no |
| How to start | 60-second eligibility check or call 1300 863 711 |
Why owners choose us when it's urgent
Emergencies rarely come with notice. A refrigeration unit fails in January, a truck's gearbox goes on the Hume, a storm takes out a shopfront, or a major customer goes into administration owing you money.
Our job is to put the money in your account quickly so the business keeps trading while you sort out the longer-term fix, whether that's an insurance claim, a new contract or recovering the debt.
Who it suits
- Sudden equipment or vehicle failure
- Storm, flood or fire damage while you wait on insurance
- A major customer that has stopped paying
- Urgent legal or compliance costs
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 transport operator with a truck off the road
A Queensland linehaul operator's prime mover needed a $42,000 engine rebuild, with contracts at risk if it stayed off the road for more than a week. We funded a short cash-flow loan the same day, and the truck was back on the Bruce Highway five days later.
Frequently asked questions
What counts as an emergency business loan?
It isn't a special product. It's a fast loan used for an unplanned cost. What matters is speed and certainty, which is why we use cash-flow loans (funded in hours) and property-secured loans (funded in about a day) rather than slow bank facilities.
Can I get emergency funding while waiting on an insurance payout?
Yes. Many owners borrow short-term to repair and reopen, then repay the loan when the insurer pays. A property-secured loan with an interest-only or capitalised structure suits this well.
I've been declined by my bank. Can you still help?
Often, yes. Banks decline for reasons we don't weigh heavily, such as recent losses, ATO debt or credit history. If you own property or your account shows steady deposits, there's a good chance we can find a fast option.
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.
