Emergency Business Loans, Funded Fast

We can give you a decision within hours, and settlement can follow within 24 hours of the letter of offer being signed, subject to the lender providing its payout figure and discharge. Emergency business loans are from 9.95% p.a., and the loan must fit inside 70% of the property's value. On Monday morning, ask the lender for a written payout figure that includes the receiver's costs to date, and send it to us with the property address and the list of tenancies. The receiver's costs are added to the payout figure every week the receiver stays in place.

• →Refinancing a lender that has appointed a receiver

Yes. A supplier changing terms at short notice is a common reason for an emergency loan, and $300,000 is above our $250,000 minimum. Emergency loans start from 9.95% p.a. The loan is secured by a mortgage over property and paid to your business, which pays the supplier. Tell us what repays it within the term, such as customer receipts or a refinance.

• →overdue supplier invoices

It can, where the property and the exit support it. The factory property is valued as it stands after the damage, so a director's home or another property may need to be added as security. The insurer's payment can be the exit once the claim is accepted in writing. Until then we would look for a second way to repay, so bring the claim correspondence and the insurer's expected timing.

It can. The loan funds are paid to your business, which then pays the liquidator, and 21 days is enough time to settle on a qualifying file. Speak to your solicitor before paying. Unfair preference claims can sometimes be defended or settled for less, and the amount you agree to pay is the amount the loan needs to cover.

Three things. The title details of the property, the amount you need, and how the loan will be repaid are enough for us to start. We do not need full financial statements on an asset-backed loan. Other documents, such as identification and a rates notice, can follow while the valuation is under way.

Yes. We lend nationally, and the mortgage is registered with the land titles office in the state where the property is, regardless of where the business trades. Send the unit's address and what is owing on it, and our in-house valuers will assess it.

It can, where there is enough equity. The usual approach is for that lender to be paid out from the new loan at settlement and withdraw its caveat, with the total inside 70% of the property's value. Tell us about the caveat on the first call. A caveat we find on the title search later is one of the things that slows an emergency file down.

It can. The loan is to your business and secured by a mortgage over property, and the business pays the staff from the loan funds. 28 days is enough time on a qualifying file. Bring the audit findings and the payment deadline, and tell us what repays the loan, such as trading income or a property sale, within 1 to 24 months.

Yes. 70% of $9 million is $6.3 million, and after the $1 million owing that leaves about $5.3 million of room, enough for $5 million plus costs. Our loans run from $250,000 to $10,000,000, and one loan can be secured across several properties. Ten days is workable if you send all four titles and the existing loan statements in the first conversation.

Yes. We can still lend after a garnishee notice has been issued. The loan funds are paid to your business, which pays the ATO debt in full. Once the debt is paid, your accountant can ask the ATO to withdraw the notice, so your customer pays your business again.

• →ATO debt loans

It can. The loan is to your business, secured by a mortgage over your home, a residential property, and the business pays the landlord from the loan funds. 14 days is enough time on a qualifying file. Ask your solicitor to confirm that paying within the notice period remedies the breach under your lease, and call us the day the notice arrives.

We can move fast. In some cases funds are ready for settlement within 24 to 48 hours. If the security is sound and we have what we need, we prioritise urgent deals to ensure you don't miss out on critical opportunities.

Yes. We work with borrowers who've been let down by banks or delayed by red tape. We fund from our own pool, so we don't wait on third-party approvals. We act fast, especially when timing is make-or-break.

Yes. We regularly structure second mortgage facilities and cross-collateralise multiple properties to unlock equity quickly. If there's real value in the security, we'll find a way to make it work.

Absolutely. We fund urgent tax debt loans and settlement rescue finance every week. We understand the stress of looming deadlines, and we prioritise these scenarios to protect your business and assets.

Yes. We specialise in refinancing overpriced, non-performing, or predatory facilities. If you're stuck in a loan that's draining cash flow or putting your assets at risk, we can move quickly to replace it with a short-term, property-backed facility that makes commercial sense.

No. We pull the report in the same pass in which our own valuers assess the property, so it runs alongside everything else rather than gating it. What slows a file down is a title we cannot get information on, a caveat nobody mentioned, or an exit that changes halfway through. A poor report on its own does not.

We cover many situations specific to an industry, such as buying a pharmacy, a childcare centre or a pub, as well as general deadlines.

• →urgent short term finance