Turn unused property equity into fast business capital.
Fast, property secured business funding when a bank cannot help, or cannot move quickly enough. Speak directly with the Australian lender making the decision.
Some opportunities won’t wait for the bank.
Equity Tap helps Australian business owners, sole traders and companies use available equity in residential or commercial property for a genuine business purpose. The facility can bridge a refinance, bring forward sale proceeds, settle a purchase, stabilise cash flow or secure an opportunity.
Assessment focuses on the property security, the business purpose and a credible plan to repay the short-term loan. That makes a direct conversation more useful than a long, automated bank process.
See if your scenario fitsMove quickly
For urgent settlements, time-sensitive acquisitions or a bank approval that is taking too long.
Learn more →02Create breathing room
Eligible structures may prepay up to six months of interest, reducing immediate repayment pressure.
Learn more →03Keep the first loan in place
A second mortgage may release equity without replacing an existing first mortgage, subject to consent and assessment.
Learn more →
Small team. Real decisions. Australia wide.
Equity Tap has lent its own money since 2022. That means your scenario is assessed by people who understand urgent private business lending, not passed through a chain of lenders.
- Residential or commercial real estate considered as security
- Micro businesses, sole traders and larger Australian companies
- Clear exit strategies including sale, refinance or incoming business funds
- Past credit problems considered in the context of the whole scenario
Private business loans for the moment you are in.
Business loans
Direct, property secured capital for a genuine business purpose.
Explore →02Short-term business loans
When the deadline is measured in days, not months.
Explore →03Secured business loans
Flexible, short term finance outside a traditional bank process.
Explore →04Private mortgages
Direct, property secured capital for a genuine business purpose.
Explore →05First mortgages
When the deadline is measured in days, not months.
Explore →06Second mortgages
Flexible, short term finance outside a traditional bank process.
Explore →07Caveat loans
Direct, property secured capital for a genuine business purpose.
Explore →08Business bridging loans
When the deadline is measured in days, not months.
Explore →09Fast business loans
Flexible, short term finance outside a traditional bank process.
Explore →10Equity release
Direct, property secured capital for a genuine business purpose.
Explore →Compare a property backed loan with a cash flow loan.
Unsecured cash flow finance can be convenient, but daily or weekly repayments and higher pricing may put more pressure on the same cash flow the loan is meant to support. Where suitable property equity is available, a secured short term facility can create a different structure.
| Feature | Equity Tap secured facility | Typical unsecured cash flow loan |
|---|---|---|
| Security | Real property security required | Often no property security |
| Repayments | Eligible facilities may have no scheduled payments for up to six months | Often daily or weekly |
| Assessment focus | Equity, business purpose and exit plan | Revenue and transaction history |
| Best suited to | Short term needs with a clear repayment event | Ongoing cash flow borrowing without property security |
This is a general comparison only. Actual pricing, fees, repayments and suitability vary by provider and scenario.
Your property equity may create another option.
A cash flow decline, poor credit score or court judgment does not automatically rule out business funding. Equity Tap looks at the property, purpose and repayment plan directly.
Declined for an unsecured loan?
See how a property secured assessment differs from a revenue-led cash flow application.
Explore your options →02Bad credit, useful equity?
A low score is not an automatic cutoff. Understand the checks and the security trade-off.
Understand the assessment →03Judgment or creditor deadline?
Bring the documents and deadline. We can assess a defined business need without judgment.
Prepare your scenario →No credit check at initial assessment. A check may be made before funding for identity and fraud purposes. Approval, security and legal checks apply. How our credit-check process works →
A clear path from scenario to settlement.
Share the essentials
Tell us the amount, timing, business purpose, security property and intended exit.
Talk to a specialist
We assess the scenario directly and explain the likely structure, costs and next step.
Complete and settle
If approved and documents are returned promptly, eligible loans may settle in as little as 24 hours.
Guides for business owners under pressure, or ready to move.
How to find your ABN
A quick guide to checking or locating an Australian Business Number.
Read guide →
How to find your director ID
Where to locate a DIN and what to do if it has been misplaced.
Read guide →
Business insolvency options
Early steps when cash flow, creditors or statutory demands are creating pressure.
Read guide →
ATO tax debt funding
Understand repayment plans, secured funding and the questions to ask.
Read guide →
Buying a business quickly
How short term capital can help bridge an acquisition timetable.
Read guide →
Business cash flow crisis
A practical triage plan when obligations and incoming cash do not line up.
Read guide →Tell us what needs to happen, and when.
A lending specialist will assess the property, the business purpose and your exit strategy.