What is fast business capital?
Money a business can access quickly — working capital or growth capital — through loans, lines of credit, invoice and revenue-based funding, property-secured loans and equipment finance. We rank them by how quickly they can realistically land.
What's the fastest way to get business capital?
With property, a caveat loan or second mortgage: $20k to $250k is possible the same day, and up to $5m within 24–48 hours. Without property, smaller unsecured amounts can sometimes fund the same day.
How much can my business borrow?
Unsecured, cash flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans run from $20,000 to $5,000,000.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire.
Will you send my details to lots of lenders?
No. No spray-and-pray. One real person reviews your enquiry and talks to you before anything goes further.
Who will I speak to?
A lending specialist — a real person who reads your enquiry and calls you.
Do you publish interest rates?
No. Every facility is priced on the business's own circumstances, so a published rate wouldn't tell you what you'd actually pay. We give you the total cost in dollars for your situation.
Can I get capital with bad credit?
Often. Past credit issues are considered case by case, and property security makes a big difference.
Can I get capital if I owe the ATO?
Yes, often. ATO debt is considered case by case, and many businesses use finance to clear it — especially now that ATO interest charges from 1 July 2025 aren't tax deductible.
Do I need property?
No. Trading businesses can access unsecured options. Property opens larger amounts and the fastest lanes.
Can I use my home as security?
Yes, residential property can secure a business loan, as long as the money is for business purposes.
How long do I need to have been trading?
For unsecured options, usually at least six to twelve months, with more than twelve months the easiest. Property-secured options can suit newer businesses.
What documents do I need?
Usually ID, ABN details, three to six months of business bank statements, recent BAS and a list of existing debts — plus property details for secured loans.
My tax returns are behind. Can I still borrow?
Often, through low doc options assessed on bank statements, BAS or property security.
Can funds be paid straight to the ATO or a supplier?
Often, yes, at settlement.
Is this for personal loans too?
No. Everything we arrange is for business purposes only.
What's the Capital Speed Planner?
A free tool that shows which capital sources could land by your deadline, based on the amount and what your business can offer.
Why should I fill in the form accurately?
Because the amount, your state and any property you own decide which lane fits. Accurate answers mean the right option on the first call.
Still have a question? Start an enquiry or call (03) 8538 1446.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on it