What this funding is designed to do
Tell us the judgment amount, creditor position and any enforcement deadline. We can assess whether property secured, business-purpose finance could resolve a defined need.
A loan does not erase a judgment or replace legal and insolvency advice.
When this structure may fit
- Your business has a genuine, clearly explained use for the funds.
- There is sufficient available equity in acceptable Australian real estate.
- The need is time sensitive or falls outside a conventional bank policy.
- You have a credible exit strategy for repaying the short term facility.
- The costs and risks are understood before you proceed.
Why business owners come to Equity Tap
Banks are built for standard scenarios and longer processes. Equity Tap is built for direct specialist assessment. We listen once, look at the whole position and explain whether a workable structure exists. That matters when a settlement, creditor, opportunity or refinance cannot wait.
Equity Tap has lent its own money since 2022. Facilities range from $50,000 to $5 million, with terms from one to twelve months. Eligible transactions may settle in as little as 24 hours and may allow interest for up to six months to be prepaid as part of the facility.
What we need to understand
Start with the amount required, the business purpose, the deadline, the security property, any existing mortgage and the expected repayment event. Supporting information can include identification, rates notices, mortgage statements, contracts, trust documents and evidence supporting the exit.
“We fund people the banks cannot help, or can help, but not quickly enough.”
Equity Tap lending approachStart with the documents and the actual deadline
A judgment can lead to enforcement, but the position depends on the court order, creditor, entity and timing. Read the documents and get legal advice. A new loan does not automatically stop enforcement. Tell us the amount, any payment arrangement, the next court or creditor date, and whether the security property is already affected by another claim.
For tax matters, read our ATO tax debt funding guide and speak to your tax adviser. If a company cannot pay debts when due, obtain qualified insolvency advice promptly. Our insolvency options guide is general information, not legal advice.
When could property secured finance fit?
A defined liability might be bridged if acceptable property has sufficient equity, the funds are genuinely for business, security can legally be taken and a credible sale, refinance or other event will repay the loan. We need to understand existing mortgages, caveats, notices and restrictions. A judgment is not an automatic rejection at initial assessment, but it can affect feasibility and timing.
Prepare a clear funding brief
- Identify the borrower, creditor, judgment amount and payment deadline.
- Provide judgment and enforcement or statutory-demand documents.
- Provide property address, ownership, title information and mortgage balances.
- Explain the business purpose and evidenced repayment plan.
- Ask an adviser to review the full costs and risk of securing more debt against property.
Equity Tap considers $50,000 to $5 million business facilities. An eligible straightforward case may settle in as little as 24 hours after approval and legal checks, but a court matter may take longer. There is no guaranteed next-day outcome. Call 1300 123 024 with the actual deadline.
Borrowing simply to postpone an insolvent position can be dangerous. Read Australian Government company insolvency guidance and seek professional advice early.