Enquiring won't affect your credit score No cost to apply Helping Australian businesses since 2012
Instant Business Finance
1300 863 711See if you qualify
Accountants, agencies & consultants

Professional services finance, billable, bankable

Instant Business Finance funds accounting firms, law practices, agencies, consultancies and IT firms with fast loans for hiring, fit-outs, practice acquisitions, work-in-progress gaps and tax bills. Cash-flow loans can be funded in as little as 2 hours, and property-secured loans reach $5 million.

See if you qualify1300 863 711
Business owner standing at her desk with a laptop2–24hto funds
Updated September 2026Reviewed by the Instant Business Finance lending teamHelping Australian businesses since 2012

Services firms sell time, and time is invoiced after it's spent. Growth means hiring ahead of billings, and a big client paying late can pinch hard. We fund firms quickly, without a stack of paperwork.

What professional services use fast finance for

Two café owners in aprons standing at their counterHire new staffNo property neededNew business owner holding up the keys to his shopBuy a businessWith or without propertyShop fit-out in progress with timber and toolsFit-out or renovateWith or without propertySmall business owner behind the counter of her storeFix a cash-flow gapWith or without propertyBusiness owner on the phone working through paperwork at her laptopPay an ATO or tax debtWith or without propertyBusiness owner checking her phone at her laptopFund a marketing pushNo property needed

Best-fit loan types

Unsecured business loansBusiness line of creditInvoice financeSecond mortgage business loansSmall business 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 I finance buying a client book or practice?

Yes, often with a property-secured loan.

Can you fund a work-in-progress gap?

Yes, with a cash-flow loan, line of credit or invoice finance.

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