At a glance
| Terms | Flexible, short term |
|---|---|
| Cash-flow lane | Funds in as little as 2 hours |
| Property lane | $20k to $5M in as little as 24 hours |
| Repayments | Fixed, interest-only or capitalised (secured) |
| Cost to apply | $0 |
How short term business loans work
Most business problems are temporary: a slow quarter, a late payment, a seasonal stock build or a one-off bill. A short-term loan solves the problem without saddling you with years of repayments.
Pick the lane that fits. Cash-flow loans for speed and smaller amounts, or property-secured loans for size and flexibility.
Who it suits
- One-off costs with a clear payback
- Seasonal gaps
- Bridging to a refinance, sale or payout
- Owners who hate long-term debt
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 gym covering a slow winter
A Hobart gym's memberships dip every winter while rent and staff costs don't. A six-month cash-flow loan covered the gap, and it was repaid by the January membership surge.
Frequently asked questions
How long are short term business loans?
Terms are kept short and flexible, set around your need and your exit. We'll agree the term with you before anything is signed.
Can I repay a short term business loan early?
Often, yes. Early repayment terms vary by product, and we'll explain them before you sign.
Are short term loans more expensive?
The rate can be higher than a long bank loan, but you pay it for a much shorter time. The total cost is often lower than you'd expect. We'll show you the full cost in writing.
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.
