What this funding is designed to do
Business equity release converts usable real estate equity into short-term capital. The funds must be used for a business purpose, and the loan is assessed on the property position, the request and the exit plan.
It can be used while a property is being sold, while refinance is underway or when the business needs capital without disposing of a valuable asset immediately.
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 approachWhat does “tap your equity” mean?
Equity Tap's name describes the idea: identify unused equity in acceptable residential or commercial real estate and, if approved, release business capital without waiting for a full property sale or long bank refinance. Equity is the property value less existing secured debt; the lendable amount can be lower after loan-to-value limits, fees and prepaid interest. The facility is secured, short term and must be repaid from a credible exit. It is not an instant cash withdrawal or a consumer equity-release product.
If an urgent deadline is approaching, see our deadline-first checklist and indicative equity calculator. Eligible cases may settle in as little as 24 hours after approval and legal checks, not on demand.