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
Shops, e-commerce & wholesale

Retail finance, shelves full, doors open

Instant Business Finance funds retailers, e-commerce stores and wholesalers with fast loans for stock, fit-outs, peak-season buying, marketing and cash-flow gaps. Cash-flow loans can be funded in as little as 2 hours, with lines of credit for repeat stock buys.

See if you qualify1300 863 711
Small business owner behind the counter of her store2–24hto funds
Updated September 2026Reviewed by the Instant Business Finance lending teamHelping Australian businesses since 2012

In retail, timing is everything. Buy stock too late and you miss the season, and a slow month can collide with a rent review. We give retailers the speed to buy when it counts.

What retail use fast finance for

Warehouse manager checking stock on a tabletBuy stock & inventoryNo property neededRetail owner serving at the counter of her storeTake a bulk-buy discountNo property neededShop fit-out in progress with timber and toolsFit-out or renovateWith or without propertyBusiness owner checking her phone at her laptopFund a marketing pushNo property neededSmiling Australian farmer in a wide-brimmed hatSmooth seasonal cash flowNo property neededSmall business owner behind the counter of her storeFix a cash-flow gapWith or without property

Best-fit loan types

Business line of creditUnsecured business loansMerchant cash advanceShort term business loansSecond mortgage 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 online-only stores get a loan?

Yes. We assess your business bank and payment-platform deposits.

What's best for buying stock?

Usually a line of credit you can draw each season.

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