Urgent Short Term Loans With Same Day Settlement
Short term loans from $250k to $10M for a specific deadline, settled in as little as 24 hours
Most urgent loans are needed for a specific date: a settlement, an ATO notice, or a bank that has withdrawn its approval. Choose the one closest to yours to see what we can fund, what to send us and how quickly we can settle.
All our loans are for business or investment purposes, and are secured by a first or second mortgage over residential, commercial or industrial property. Terms run from 1 to 24 months, and rates start from 9.7% p.a.
For an overview of how our loans work, see urgent business loans and short term loans.
Buying property
Land PurchaseSettle a land or site purchase on time when the bank is slow or will not lend on vacant land.Development Site PurchaseBuy a development site with or without a DA, before a construction lender will fund it.Land Held for Rezoning or DABuy or hold land while a DA or rezoning is decided, then sell or refinance once it is approved.Commercial Property PurchaseBuy an office, shop or mixed-use property on time while the bank finishes its assessment.Industrial Property PurchaseBuy a warehouse, factory or industrial unit on time, including the premises you currently lease.Investment Property PurchaseBuy a residential investment property or unit when the bank declines or cannot settle in time.Distressed Property PurchaseBuy a mortgagee sale, receiver sale or run-down property on the seller's short settlement terms.Off-Market Property PurchaseBuy a commercial or investment property off-market when the seller wants a fast, unconditional exchange.Auction PurchaseSettle an investment or commercial property bought at auction, where there is no finance clause.Settlement ShortfallCover the gap between the funds you have and the amount due at settlement.Bank Finance Fell ThroughSettle on time when a bank withdraws or delays its approval close to settlement.Off-the-Plan SettlementComplete an off-the-plan investment when the valuation comes in under the contract price.Deposit FundingPay the deposit on exchange using equity in property you already own.GST on Commercial PropertyPay the GST due at settlement on a commercial purchase, then repay us from your BAS refund.SMSF PropertySettle an SMSF purchase of business premises, or refinance an existing SMSF property loan.
Development sites
Part-Complete DevelopmentBuy or refinance a stalled development site when the builder or construction lender has stopped.Residual StockRefinance a construction loan when completed units have not sold, and sell on your own timetable.Contaminated SiteBuy or hold a contaminated or former industrial site while investigation and remediation are done.
Business purchase and cash flow
Business AcquisitionBuy a business or a competitor before the vendor's settlement date, when bank finance will not be ready in time.Business Partner BuyoutBuy out a business partner or shareholder by the date set in your agreement.Franchise PurchaseBuy a new or existing franchise and settle on schedule while bank franchise finance is arranged.Business ExpansionFund a new site, a fit-out or a contract start-up on a fixed deadline.Cash Flow GapPay a supplier, a customs clearance or a stock order by its due date, before your customer pays you.PayrollPay your staff on payday when a customer payment or progress claim arrives late.
Specialised property
Medical and Dental PracticeBuy a medical or dental practice, the centre it runs from, or a retiring partner's share, on a fixed date.Pharmacy PurchasePharmacists buying a pharmacy or the premises it trades from, on a fixed settlement date.Childcare CentreBuy a freehold childcare centre, as an operator or an investor, around the service approval transfer.Aged Care and RetirementBuy or refinance an aged care facility or retirement village property, lending to the operator.Hotel and MotelBuy a freehold motel, hotel or boutique hotel, valued on a going-concern basis, on the settlement date.Pub PurchaseSettle on a freehold pub on time while the bank completes its going-concern assessment.Caravan ParkBuy or refinance a caravan or holiday park, lending on the park land and its buildings.Serviced and Student AccommodationBuy or refinance serviced apartments, student accommodation or a hostel before the next intake or season.Short-Stay PropertyBuy a short-stay investment property when the bank will not count its holiday income.Petrol StationBuy a freehold service station site, including one with a fuel supply agreement or a contamination history.Car DealershipBuy or upgrade dealership premises on a manufacturer's or landlord's deadline, separate from your floor plan.Mining and ResourcesFund mining services businesses that own property: buy a yard, workshop or camp site, or start a new contract.
Tax, debt and deadlines
ATO DebtPay an ATO debt in full before a garnishee, director penalty notice or wind-up deadline.Director Penalty NoticePay the company debt behind a director penalty notice within the 21 days.Statutory DemandPay a creditor's statutory demand within the 21 days, once your lawyer has reviewed it.Expiring Private LoanRefinance a caveat loan, second mortgage or bridging loan that is at or past its maturity date.Mortgagee in PossessionPay out a lender that has issued a default notice or taken possession, before it sells the property.Receivership and AdministrationPay out an appointing lender or fund a deed contribution, with whoever has authority to sign.
Frequently Asked Questions
$500M+ funded
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
✓Australian private lender, $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements up to $10M
✓Rates from 9.7% p.a. | Terms 1–24 months
Are you a broker? Find out why brokers love working with us.
$500M+ funded
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
✓Australian private lender, $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements up to $10M
✓Rates from 9.7% p.a. | Terms 1–24 months
Are you a broker? Find out why brokers love working with us.