Urgent Business Loans

Move Your Company Forward with Business Loans from Instant Business Finance

When you need a business loan in Australia, you might want answers super fast and a solution that will be suitable for your business needs. Operating a business is highly liberating and also comes with different challenges. Whether you are working with a larger team or individually, you will have to make choices about the perfect place to invest your energy, time, and capital.

But one of the most important decisions is how efficiently you can manage the cash flow. Cashflow is a critical factor for any business success and a stress element for many business owners in Australia. Reputed business loan lenders like Instant Business Finance assist you in navigating this problem and many other difficulties you can face while your company grows.

But the question is how to know which type of urgent business loan in Australia is perfect for your company. Instant Business Finance offers various options for quick business loans for different business purposes. To get started with the application process, you will have to consider several factors like the business size, how long you are operating in the industry, your financial health, and many more. Our financial advisors assist you in making the process of business loans easy to approve and hassle-free.

Different Types of urgent business loans in Australia

Instant Business Finance can arrange the following business loan types to borrowers.

  • Long term Business funding

A long-term business loan is a lump sum amount with an interest rate you can repay in regular instalments over a particular period. You can pay long-term quick business loans in Australia over 12 months to 2 years.

  • Short-term business Funding

Short-term business loans are just like long-term loans, but you can repay them within a shorter term of 1 to 6 months. With this loan type, you can access the required business loan instant approval within 24 hours. Businesses can receive and apply for approval more rapidly as we provide more flexibility than traditional banks.

  • Equipment Finance

If you are interested in buying expensive equipment, you can get a loan by submitting the equipment as collateral. In this way, you can purchase high-budget equipment without hurting the bottom line.

  • Asset Finance

This type of urgent business loan helps the businesses to secure the finance on a collateral basis like inventory or accounts receivable. Usually, these loans include easy eligibility criteria, and companies can access the capital to eliminate short period financial requirements.

  • Small Business Loans

Small business loans for bad credit provide SMEs with the safe capital they require for flourishing. It can help you manage the expenditures you might face while running a small company.

  • Secured quick business loans

With secured funding, the business loan lenders provide capital against a valuable asset that the borrower owns, like a home, equipment or other accounts receivables as collateral.

  • Unsecured business loan in Australia

In an unsecured business loan, you do not have to submit any property as collateral. But the interest rate of the unsecured loan is higher than the secured one.

Criteria to get a business loan with bad credit in Australia

Since there are plenty of alternatives for urgent business loans with bad credit in Australia, it is necessary to know which one will be perfect for your business. Deciding which funding will be suitable for your company can be tricky. Remember why you are applying for fast business loans in Australia and how they can solve the cash flow difficulties. You have to consider the below eligibility criteria for business loan easy approval.

  • Total operating time in the industry

You should be present in the business for a minimum of 6 months to 1 year.

  • Annual Revenue

The borrower should have annual revenue varying between $250,000 and $500,000. Thus, before applying for urgent business loans in Australia, ensure you are meeting the revenue threshold of your business.

  • Credit Score

The borrower should have a good credit history, dependent on different factors like the current financial industry and trends.

Process of applying for a business loan with bad credit in Australia

Sometimes matching all the eligibility criteria and applying for quick business loans in Australia can be difficult. However, if you have the following documents for the application submission, you will get a business loan instant approval.

  • Business plan document, including intent for loan repayment and use of the acquired capital
  • Financial and bank statements with cash flow statements, profit and loss statements and many other forms
  • Tax return documents for sole proprietorships and partnership
  • ABN number
  • Collateral ownership proof for the real estate or the equipment

However not all lenders require the same and you should check as some lenders have little or minimal documentation requirments.

How to enhance your chances of fast business loans in Australia?

To improve your chances of business loans for bad credit, you can follow the following steps.

  • Improve your business credit score
  • Offer security for the finance
  • Have a good history of paying previous loan repayments on time

Contact Instant Business Finance to know more about urgent business loans with bad credit in Australia.

Frequently Asked Questions


Any business owner with a registered ABN or ACN can apply for a business loan. The purpose of the funds must be for business use and you need sufficient equity in real estate assets to qualify.

The funds can be used for any worthwhile business purpose.

Full financial statements are not required, in some circumstances we may ask for business bank statements.

Yes, business loans can be extended beyond the original loan term by making interest only payments.

Our minimum loan amount is $20,000, the maximum amount is determined by the available equity in your property.

You need to have a registered ABN or ACN and sufficient equity in real estate assets.

Yes, our capitalised business loans can be repaid early without any penalty or early repayment fees.

Funding can be arranged in as little as 24 hours.

There is a small assessment fee payable if an offer for finance is accepted, this fee covers the cost of our due diligence process.