Why speed matters here
Fixed costs don't stop when trading does. A few weeks shut can undo a year's profit if rent, staff and suppliers go unpaid. The right loan keeps everything intact so you reopen at full strength.
How we can fund it
Property-secured
This is where property-secured loans shine. Interest can be capitalised, so there are no repayments while revenue is zero, and the loan is repaid once you're trading again.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
For short closures with a known reopening date, a cash-flow loan can cover the gap, repaid once trade resumes.
From bank statements · as little as 2 hrs
What helps us move fastest
- Reason and expected length of the closure
- Monthly fixed costs
- Any insurance claim details
- Property details
A café closed by council roadworks
A Perth café lost most of its trade during four months of light-rail roadworks outside the door. A capitalised-interest caveat loan covered rent and core staff, and it was repaid from the owner's refinance once trade recovered.
Frequently asked questions
Can I get a loan if my business isn't trading right now?
With property security, yes. We assess the property and your exit, not current revenue.
Can I avoid repayments while closed?
On property-secured loans, interest can often be capitalised, so there are no repayments during the loan term.
What if my closure is due to a natural disaster?
See our disaster recovery page. We can fund repairs and reopening costs while insurance is processed.
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.
