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

Unexpected bill? Sorted today.

If an unexpected bill lands, such as a supplier demand, an insurance excess, a council notice or a shortfall, Instant Business Finance can fund a cash-flow loan in as little as 2 hours or a property-secured loan up to $5 million in as little as 24 hours. Checking eligibility takes 60 seconds and won't affect your credit score.

  • 2 hrs without property
  • 24 hrs with property
  • Up to $5M
  • No credit score impact to check
Business owner standing at her desk with a laptop60sto see if you qualify

Why speed matters here

Every business gets blindsided sometimes. The difference between a stressful week and a real problem is usually how quickly you can pay. Fast funding lets you pay on time, protect your trade terms and keep your credit file clean.

How we can fund it

Own property

Property-secured

Large or complex bills can be covered against property with no financials, with interest-only or capitalised repayments so cash flow stays intact.

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

No property

Cash-flow loan

Most unexpected bills are covered by a same-day cash-flow loan based on your bank statements.

From bank statements · as little as 2 hrs

What helps us move fastest

  • The bill or demand
  • Due date
  • Recent bank statements
  • Property details (if needed)
Example scenario

A retailer hit by a surprise stock shortfall

A Canberra homewares retailer found a $48,000 stock discrepancy just before a supplier's end-of-month deadline. A same-day cash-flow loan kept the account in good standing and the trade discount intact.

Bill: MondayFunded: MondayPaid: on time

Frequently asked questions

How fast can I get money for an unexpected business bill?

Cash-flow loans can be funded in as little as 2 hours after approval. Larger amounts against property take about 24 hours.

Do I need to explain what the bill is for?

Just briefly. It helps us choose the right loan and term.

Is there a minimum amount?

Property-secured loans start at $20,000. Cash-flow loans can be smaller.

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