Why speed matters here
Insurance and disaster grants help, but they rarely arrive in the first weeks when you need to clean up, rebuild and hold on to your staff. Bridging that gap is often what decides whether a business reopens.
How we can fund it
Property-secured
Property-secured loans with capitalised interest let you rebuild without repayments, with the loan repaid when the insurer pays out.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
A fast cash-flow loan covers immediate clean-up, stock and wages if your account shows solid pre-event trading.
From bank statements · as little as 2 hrs
What helps us move fastest
- Insurance claim number and assessor details
- Repair quotes
- Property details
- Pre-event bank statements
A Northern Rivers business after the floods
A Lismore joinery lost its machinery and stock to floodwater. While the insurance claim was assessed, a property-secured loan funded clean-up, replacement machines and three months of wages. It was repaid in full when the claim was settled.
Frequently asked questions
Can I borrow while waiting for an insurance payout?
Yes. This is a classic bridging-finance situation, and interest can often be capitalised until the claim is paid.
Do I need to be trading to qualify?
Not with property security. For cash-flow loans, we'll look at your trading before the event.
Can the loan cover wages?
Yes. Keeping your team is often the most important part of reopening.
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.
