Straight answers on fast business finance
Plain-English answers to the questions Australian business owners ask us most.
The Australian Business Funding Speed Report
How long business loans actually take to fund in Australia — median enquiry-to-funds times by loan type, state and industry, from 5,626 loans since 2012. Nobody else publishes this.
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What is a caveat loan and how does it work?
A caveat loan is a short-term business loan secured against property you already own. Under the loan contracts it is a second mortgage…
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Caveat loan vs second mortgage: the honest answer
A caveat loan and a second mortgage are not two different products. Under the loan contracts a caveat loan is a second mortgage loan…
Read the guide →How fast can I get a business loan?
The fastest business loans in Australia are cash-flow loans assessed on bank statements, which can be funded in as little as 2 hours.…
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Can I get a business loan with an ATO debt?
Yes. ATO debt does not disqualify you from business finance, and clearing it is one of the most common reasons these loans are written.…
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Can I get a business loan with bad credit?
Yes. Defaults, judgments, arrears and a previous bank decline do not rule you out of business finance in Australia. They rule you out of…
Read the guide →Does applying for a business loan affect my credit score?
Checking your eligibility with Instant Business Finance does not affect your credit score, because our 60-second check doesn't make a…
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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.