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

Grab the discount, keep the margin

If a supplier offers an early-payment or bulk-buy discount, a fast business loan can pay for itself. Instant Business Finance funds cash-flow loans and lines of credit in as little as 2 hours, so you can buy while the deal is on the table.

  • 2 hrs without property
  • 24 hrs with property
  • Up to $5M
  • No credit score impact to check
Retail owner serving at the counter of her store60sto see if you qualify

Why speed matters here

A 5–10% discount on a large order can outweigh the cost of a short loan. Paying early also earns better terms and priority stock when supply is tight.

How we can fund it

Own property

Property-secured

Very large bulk purchases can be funded against property at lower cost.

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

No property

Cash-flow loan

A line of credit makes this repeatable: draw, buy, sell, repay.

From bank statements · as little as 2 hrs

What helps us move fastest

  • The supplier offer
  • Order value
  • Recent bank statements
  • Expected sell-through
Example scenario

A hardware store's end-of-year deal

A regional Victorian hardware store was offered 8% off a $120,000 bulk order. A short cash-flow loan funded it, and the discount more than covered the loan cost.

Offer: MondayFunded: TuesdayMargin kept

Frequently asked questions

Is borrowing to get a discount worth it?

Often, if the discount is larger than the loan cost over the time you hold the stock. We'll show you the numbers.

Can you pay the supplier directly?

In many cases, yes.

How fast can I get the money?

Cash-flow loans can be funded in as little as 2 hours after approval.

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