What this funding is designed to do
Unsecured cash flow lenders often assess recent revenue and collect repayments daily or weekly. That may suit some businesses, but it can intensify short term cash pressure and carry higher effective pricing.
Where property equity is available, secured short term funding may provide a lower cost structure and, for eligible facilities, up to six months without scheduled payments.
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 approachCompare the cash leaving your business, not just the rate
An unsecured cash flow product may collect repayments daily or weekly from trading revenue. A property secured loan may offer a different payment timetable, but it also puts real estate at risk and involves security and legal costs. Compare the total amount received, every repayment, the total amount payable and the consequences of a delay or default on the same timeline.
For eligible Equity Tap facilities, up to six months of interest may be prepaid into the loan, so there are no scheduled payments during that period. This is not free interest: it reduces net proceeds or increases the amount ultimately owed. The better choice depends on the business's actual cash receipts, available equity and reliable exit, not a blanket claim that one product is always cheaper.