Fast business loan FAQs

Often the same business day. If you give us the property address, the amount, the purpose and the exit in your enquiry, a lender can usually give an indicative answer within hours and a formal approval as soon as the title and documents are checked. We never order valuations — we assess the property ourselves — so there is no valuer to wait on.

Yes, on straightforward files. That means the title is clear, every owner is ready to sign, the existing lender's payout or consent isn't holding things up and you can send documents the same day. Most loans settle within two to five business days.

Waiting on other people: an existing lender's payout letter, a co-owner who's overseas, or a solicitor who isn't instructed. A valuation is never one of them: we don't order valuations. Starting those early is the single best way to speed things up.

Enquiries can be sent any time and are read first thing. When a deadline is critical, tell us in the enquiry and we'll plan the timetable around it.

Companies, trusts, partnerships and sole traders borrowing for a business purpose, with property in Australia available as security — owned by the business, a director, the borrower or a guarantor.

Yes. Defaults, judgments, past ATO debt and bank declines don't automatically rule you out. Because the loan is secured by property, the equity and the exit matter more than a score. Tell us about the history upfront.

No. New businesses and start-ups can borrow when there's property security and a clear plan to repay.

Not always. Many property-secured loans are approved without business financials. We still need ID, property details, the current loan statement and evidence of the exit.

Yes, a home is the most common security we take. It can already have a mortgage on it; our loan can sit behind it as a second mortgage or caveat, or replace it as a first mortgage.

From $20,000 to $5,000,000, depending on the equity in the security property and the strength of the exit.

They're short-term by design — long enough to reach the exit, whether that's a sale, refinance, contract payment or seasonal income. We agree the term with you up front.

Each loan is priced individually. Fast private lending costs more than a bank loan; you get interest, fees and the total repayable in writing before you sign so you can compare properly.

On many short-term loans, yes — which means no monthly repayments while you wait for the exit. We'll explain the options when we structure the loan.

Yes. Your loan documents will set out how early repayment works, and we'll walk you through it before you sign.

No. There's no credit check when you enquire. A credit check is only done later, with your consent, if you go ahead with a formal application.

No. Your enquiry is handled by our team and isn't fired off to a pile of lenders.

You'll sign loan documents and guarantees, and independent legal advice is usually part of the process — especially for property owners who aren't borrowing themselves. We'll tell you what's needed early so it doesn't hold up settlement.

Yes. At settlement funds can be paid directly to the ATO, a creditor, a vendor or your own account, as the deal requires.

Personal or household purposes. These are business loans only.