The short answer
For a business with property equity, the main BizFund alternative is a short-term loan secured on real estate. According to its website, BizFund is a Brisbane-based business lending specialist offering unsecured loans, cash flow finance and loan consolidations from $5,000 to $1,000,000, with same-day approval and funds within 24 hours of submission. BizLoansFast lends $20,000 to $5,000,000 against residential or commercial property, with no valuation and interest prepaid or capitalised.
- BizFund's site describes loans of $5,000 to $1,000,000, including unsecured loans and consolidations
- It states same-business-day approval and funds within 24 hours of submission
- Approval and settlement are separate steps: what happens between them sets the real timeline
- On our property loans, no valuation means one less wait between yes and funded
| BizFund range (per its website) | $5,000 to $1,000,000 |
|---|---|
| BizFund speed (per its website) | Same-day approval; funds within 24 hours |
| Our loan size | $20,000 to $5,000,000 |
| Our security | First mortgage, second mortgage or caveat |
A BizFund alternative is most useful when the sum you need is larger than an unsecured facility will stretch to, or when you’d rather borrow against property than against your turnover. Based in Brisbane, BizFund Australia calls itself a business lending specialist and, according to its website (as at October 2026), provides funding of $5,000 to $1,000,000 across unsecured lending, cash flow finance and debt consolidation. BizLoansFast lends from $20,000 up to $5,000,000, always secured on residential or commercial real estate.
Speed is a big part of both pitches, so this page spends time on a question that matters with any lender: what actually gets you from approval to money in the bank.
What BizFund says it offers
BizFund’s homepage lists these services and promises:
- Unsecured business loans for businesses that want funding without putting up collateral.
- Cash flow finance to give a business liquidity when it needs it.
- Business loan consolidations, which combine existing debts into one loan.
- Reverse consolidations, which it describes as streamlining finances into a single reserve fund.
- Fast loans tailored to time-sensitive needs, with flexible repayment options.
- No up-front credit checks.
- A three-step process: enquiry form, a quick assessment by its lending specialists, then approval on the same business day and funds in your account within 24 hours of submission.
Its site description also mentions secured business loans, short-term funding and lines of credit. The homepage doesn’t set out loan terms or repayment frequency, so those are questions for BizFund.
Approval and funding are two different moments
An approval is a decision; funding is money landing. With any lender, the gap between them is filled by paperwork, signatures and, on secured loans, registering the lender’s interest. When that gap closes inside a day, it’s because every piece was ready, not because anyone skipped a step.
That’s why we’re careful how we phrase our own speed. Same-day approval is common with us when the property and the purpose are clear. Funds within 24 hours happen on straightforward files where the documents and the exit are ready. Most of our loans settle within a few business days. We’d rather you plan on that and be pleasantly surprised.
What makes 24-hour funding real on a property-secured loan?
On our loans, four things decide whether money moves within a day of approval:
- Every owner can sign quickly. If a co-owner of the property is overseas or unreachable, nothing else matters.
- The title is clean and known. We search it at the start, so surprises like an old caveat or a mortgage in arrears surface early rather than on settlement day.
- The exit is written down. A contract of sale, a refinance in progress or an invoice due on a date: two sentences we can verify.
- No valuation sits in the path. We never order one. Our team assesses the property, so there’s no valuer to book and no report to wait for, which removes a common delay in property lending.
A typical fast file with us looks like this:
| Time | What’s happening |
|---|---|
| 9am | Enquiry arrives with property, amount, purpose and exit |
| 11am | Title searched, existing loan checked, property assessed in-house |
| 2pm | Answer given: yes, no, or one question |
| 4pm | Loan documents issued |
| Next day | Documents signed by all owners, security lodged, funds released |
Our guides to 24 hour business loans and same day business loans go deeper into the timetable. If your deal already has these four pieces in place, start the enquiry now.
Where BizFund’s approach may suit you better
An unsecured lender is often the more natural fit when your business owns no property at all, the amount is modest relative to your revenue, or you don’t want real estate involved. Plenty of businesses fall into that group, and for them a turnover-based lender is the right place to start. Our cash flow lenders list covers other options in that category.
Where a property-secured loan may suit you better
A secured loan from us tends to fit when:
- the amount is above $1,000,000, up to $5,000,000;
- your credit history includes defaults, ATO debt or a recent bank decline;
- your financials are behind, because in some scenarios we don’t need business accounts at all;
- you’d prefer no repayments during the term, with interest prepaid or capitalised;
- the money is repaid by a specific event, like a sale, refinance or contract payment.
Fast private money costs more than a bank loan, which is why it’s best kept for situations where time or flexibility are worth more than the difference.
BizFund and BizLoansFast compared
| BizFund (per its website) | BizLoansFast | |
|---|---|---|
| Range | $5,000 to $1,000,000 | $20,000 to $5,000,000 |
| Main products | Unsecured loans, cash flow finance, consolidations | Mortgages and caveat loans over property |
| Security | Unsecured loans need no collateral; secured loans mentioned | Always real estate |
| Credit check | None up front | None to enquire |
| Approval | Same business day | Same day is common |
| Funding | Within 24 hours of submission | Within 24 hours on straightforward files |
| Repayments | Flexible options mentioned | No instalments: interest prepaid or capitalised, balance cleared by the exit |
| Background | Brisbane-based business lending specialist | Australian business lender since 2004 |
Consolidating with property instead of turnover
Consolidation is on both menus, but the engines differ. A consolidation through BizFund is described on its site as combining existing debts into a single loan. Ours does that with a second mortgage or caveat over property: we pay each existing lender out at settlement, the daily or weekly debits stop, and interest is prepaid or capitalised so cash flow recovers while you work towards the exit.
Illustrative example: a Sydney labour-hire business carries four short-term unsecured loans totalling $420,000, with debits most mornings. A director’s home is worth about $1,500,000 and a $500,000 mortgage. We approve a $450,000 second mortgage on the afternoon of enquiry, settle two business days later and pay all four lenders directly. Eleven months later, after a strong year, the business refinances to its bank and repays us.
For every lender type in one place, see our comparison hub.
Ask us for a BizFund alternative today
If property is part of your picture, put the numbers in front of us. There’s no credit check on enquiry, we don’t forward what you tell us to anyone else, and someone who handles urgent deals day in, day out reads your file. You’ll know fast whether we can help, and you’ll hear a straight no if we can’t.
Please be precise on the form: correct property address, the real mortgage balance and an honest exit. Precise answers mean no second round of questions. Get your secured loan answer online, or speak with us on 1300 852 150 today.
How it works, step by step
- Morning enquiryYou send the 60-second form with the property, amount, purpose and exit.
- Title and numbers readWe search the title, check the existing loan and assess the property ourselves.
- Same-day answerYou get a yes, a no or the one question that settles it.
- Documents signedEvery owner of the security property signs the loan papers and consent.
- Funds paidWe lodge our security and release the money, often the next day.
BizFund alternative: your questions answered
Is BizFund a direct lender?
BizFund describes itself on its website as a business lending specialist providing loans of $5,000 to $1,000,000, with its own lending specialists handling assessment. The homepage doesn't use the words direct lender, so check who the credit provider is in any offer you receive. BizLoansFast lends on property security and deals with you directly from first call to settlement.
How fast does BizFund pay out?
According to its website as at October 2026, BizFund's process runs in three steps: an enquiry form, a quick assessment by its lending specialists, then approval on the same business day with funds in your account within 24 hours of submission. For the timing on a particular application, ask BizFund directly.
Does BizFund do a credit check?
BizFund's website says it provides its loans without performing up-front credit checks. We work the same way at the enquiry stage: making an enquiry with BizLoansFast doesn't trigger a credit check. Because our loans are secured on property, a patchy credit history also matters less in our decision than the equity and the exit.
Can a property-secured loan replace a BizFund consolidation?
It can be an alternative way to do the same job. BizFund lists business loan consolidations among its services, combining existing debts into one loan. We consolidate too, but secured on real estate and sized to equity, with room up to $5,000,000 and no instalments during the term. Which suits depends on whether you have property and how large the combined debt is.
Does BizFund offer secured loans?
BizFund's homepage service list centres on unsecured business loans, cash flow finance, consolidations, reverse consolidations and fast loans, and its site description also mentions secured business loans and lines of credit. The detail of any secured product isn't set out on the homepage, so ask BizFund what security it takes and on what terms.
Sources we checked
Names are trademarks of their owners. BizLoansFast is not affiliated with any lender named on this page. Lender details are summarised from each lender's own website as at October 2026 and can change — check with the lender directly.
Written by the BizLoansFast lending team · Updated 2026-10-06