Fast scenario answer
A 1-hour review position and same-day broker response for a clear scenario.
Broker private lending desk
Client has equity but no time? Bring the scenario to Equity Tap.
Private first and second mortgage business funding from $50,000 to $5 million, secured by Australian real estate and built for urgent business deadlines.
Ready to lodge the full deal? Broker Portal (partner login required).
- $50k to $5m
- Funding in as little as 24 hours
- No valuations
- First & second mortgages
- 1-hour scenario review
Fast answer. Clear appetite.
Talk straight to the person who can make the decision.
Up to 80% LVRResidential security
Up to 70% LVRCommercial and vacant land
Low-docNo financials for suitable scenarios
Business purpose onlyClear, credible exit required
Start with the problem
Before rates and fees, find out what missing the deadline will cost.
Equity Tap is an urgent funding solution, not a cheap long-term lender. The consequence of delay tells you whether private funding is the right tool.
Got the answers? Check the LVR- 01What must the funding protect?
A property, contract, stock order, staff, settlement or control of the business?
- 02When does the money actually need to settle?
If the client can wait several weeks, a lower-cost lender may be the better answer.
- 03What security is available now?
Residential, commercial or vacant land with enough usable equity.
- 04What is the credible exit?
Refinance, sale, receivables, asset disposal or another verifiable event.
Why brokers use Equity Tap
A practical answer when the bank cannot meet the brief.
Fast answers, direct decision-maker access and a simple path from scenario to settlement.
Direct decision maker
Speak to the person who can assess the structure and appetite.
No valuation cycle
No sworn valuation for suitable scenarios, while still testing credible security evidence.
Low-doc assessment
No financials required for suitable deals. Start with the scenario essentials.
First or second mortgage
A second mortgage may unlock capital without disturbing the existing first facility.
Built to execute
Clear LVR appetite, a credible exit and a practical path all the way to settlement.
Bring the deal early
Do not wait until every other lender has failed.
By then, fees may have been spent, deadlines are closer and the client’s options are shrinking. Bring Equity Tap into the discussion while there is still enough time to protect the deal.
Check the scenario nowBroker scenario calculator
Check Your Client’s Scenario
Indicative result only. Subject to Equity Tap assessment, supporting information, security, borrower, purpose, and final approval.
The urgent-funding broker playbook
Twelve conversations that help brokers protect the client and the deal.
Use these prompts before shopping the scenario. They make the real problem, the security and the exit clear enough for a fast lender answer.
01
Test the urgency
Is private funding the right tool?
02
Structure the solution
Solve the urgent problem without overcomplicating the loan.
03
Protect the exit
Fast funding still needs credible evidence and a next step.
Have the four answers?
Send the scenario while there is still time to act.
The Equity Tap funding track
From scenario to settlement, without the bank runaround.
Start with the essentials. When the security, equity and exit are clear, every stage can keep moving.
Suitable urgent scenarios
Funding in as little as 24 hours
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1
Start here
Scenario submitted
Security, value, debt, amount, term and exit.
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2
Target: within 1 hour
Indicative decision
A direct yes, no or what-needs-to-change answer.
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3
Deal confirmed
Term sheet issued
Clear structure, costs, conditions and next steps.
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4
Kept moving
Due diligence and documents
Low-doc checks completed and loan documents prepared.
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5
The result
Settlement and broker paid
Funding lands, the urgent problem is addressed and commission is processed.
Fast does not mean vague.
Timing depends on the scenario, security, borrower, purpose, exit, documents and all parties being ready to proceed.
Scenarios we like
Urgent business need plus usable equity.
- Business owner needs tax debt paid urgently.
- Working capital while waiting on debtor payments.
- Settlement shortfall on a commercial or investment purchase.
- Bank refinance delayed and client needs bridging funds.
- Poor credit but strong property equity.
- Existing first mortgage stays in place and Equity Tap considers a second mortgage.
- Client needs to unlock property equity without waiting for valuations.
What we need first
Keep the first conversation simple and scenario-based.
- Security property address or suburb.
- Estimated property value.
- Amount owing on existing secured debt.
- Loan amount required.
- Exit strategy.
- Basic ID, rates notice and mortgage statement where appropriate.
Direct and practical
Talk straight to the decision maker.
No-nonsense lending for clients who do not fit bank criteria or cannot wait for the bank process. The answer comes from the people who understand the appetite.
Check LVRBroker FAQ
Common broker questions.
Do you accept second mortgages?
Yes, Equity Tap considers first and second mortgage business loans, subject to security, LVR, existing debt position and internal policy.
Can you help if the client has bad credit?
Potentially. The assessment is practical and security-driven, with focus on real estate equity, business purpose and a clear exit strategy.
Do you need financials?
No financials are required for suitable scenarios. Supporting information may still be requested as part of final assessment.
Do you do valuations?
No sworn valuation is required for suitable deals. Equity Tap still needs credible security evidence and may ask for recent comparable sales and a current walkthrough video.
How fast can you settle?
Funding may be possible in as little as 24 hours where the scenario qualifies and required steps are completed quickly.
What property types can be used as security?
Residential, commercial and vacant land security may be considered, subject to location, LVR and internal policy.
What LVRs do you consider?
This indicative page uses 80% for residential and 70% for commercial or vacant land. Final appetite is subject to assessment.
Is this for business purposes only?
Yes. Equity Tap private lending on this page is for business-purpose lending only.
What exit strategies are acceptable?
Common exits include refinance, sale of property, sale of a business asset, incoming debtor/payment or a defined business revenue event.
Can brokers speak directly with the decision maker?
Yes. Brokers can speak directly with the decision maker for fast, practical scenario feedback.
Ready when the client cannot wait
Got a client with property equity and an urgent funding need?
Indicative scenario results only. Not a formal approval, quote, or offer of credit. Funding is subject to Equity Tap assessment, loan purpose, borrower circumstances, security property, supporting information and final approval. Business-purpose lending only.