Enquiring won't affect your credit score No cost to apply Helping Australian businesses since 2012
Instant Business Finance
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Hospitality & food

Café & restaurant loans, service doesn't stop

Instant Business Finance funds cafés, restaurants, bars and takeaways with fast loans for kitchen equipment, fit-outs, stock, wages and quiet seasons, using card-sales history, bank statements or property equity. Cash-flow loans can be funded in as little as 2 hours.

See if you qualify1300 863 711
Chef cooking over a flaming wok in a commercial kitchen2–24hto funds
Updated September 2026Reviewed by the Instant Business Finance lending teamHelping Australian businesses since 2012

Hospitality margins are tight and surprises are expensive: a dead coolroom, a failed coffee machine or a winter that runs long. We fund hospitality owners quickly, and we understand card-heavy trading.

What cafés & restaurants use fast finance for

Mechanical workshop with tools and a vehicle on a liftRepair broken equipmentNo property neededShop fit-out in progress with timber and toolsFit-out or renovateWith or without propertySmall business team meeting around a tablePay wages & superNo property neededSmiling Australian farmer in a wide-brimmed hatSmooth seasonal cash flowNo property neededClosed sign hanging in a shop windowSurvive a temporary shutdownWith or without propertyBusiness owner on the phone working through paperwork at her laptopPay an ATO or tax debtWith or without property

Best-fit loan types

Merchant cash advanceUnsecured business loansEquipment & asset financeBusiness line of creditCaveat loans

Two fast lanes

  1. Check eligibility60 seconds online, with no credit score impact.
  2. We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
  3. Get a decisionUsually the same business day, with every cost in writing.
  4. Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).

Frequently asked questions

Can a new café get a loan?

If you own property, yes. Cash-flow loans need 6+ months of trading.

Is a merchant cash advance good for cafés?

It can be, because repayments flex with card takings. Compare it with an unsecured loan first.

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.

Instant Business Finance

The fastest road to funding starts here.

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.

See if you qualify1300 863 711
See if you qualify in 60s