Enquiring won't affect your credit score No cost to apply Helping Australian businesses since 2012
Fast business loans for commercial property

Buy your premises, settle fast

Instant Business Finance arranges fast commercial property finance for business owners: private first mortgages and bridging loans up to $5 million to buy shops, offices, warehouses and factories, with no financials and settlement on your contract date, then a refinance to a bank when you're ready.

  • 2 hrs without property
  • 24 hrs with property
  • Up to $5M
  • No credit score impact to check
Heritage shopfronts on an Australian main street60sto see if you qualify

Why speed matters here

Commercial property deals move quickly, and banks don't. Short settlements, auction purchases and off-market opportunities need finance that can commit in days.

How we can fund it

Own property

Property-secured

We lend against the property you're buying, plus other property if needed, as a first mortgage or bridging loan.

Up to $5M · as little as 24 hrs · no financials

No property

Cash-flow loan

This scenario is property-secured.

From bank statements · as little as 2 hrs

What helps us move fastest

  • Contract and settlement date
  • Purchase price and deposit
  • Other property you could offer as security
  • Exit plan: bank refinance or sale
Example scenario

Buying a warehouse at auction

A Melbourne distributor bought its leased warehouse at auction on a 30-day settlement. A private first mortgage settled it on time, and it was refinanced to the bank four months later.

Auction: Day 0Settled: Day 30Bank refi: Month 4

Frequently asked questions

Can I buy commercial property without financials?

With private property-secured finance, yes. The decision rests on the security and your exit plan.

Can I buy at auction?

Yes. Talk to us before auction day so the finance is ready.

Can I refinance to a bank later?

Yes. That's the most common exit.

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.

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 qualify in 60s