Fast business loans when timing matters

What this funding is designed to do

Fast business lending works best when the amount, property position and repayment plan are clear from the beginning. We focus the initial conversation on those essentials so a time-sensitive scenario can move without avoidable delay.

Use fast finance for an urgent opportunity, settlement deadline, stock purchase, creditor arrangement or bank funding gap.

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.

What makes a fast settlement possible?

Speed is most realistic when the property, ownership, existing debt and business purpose are clear from the outset. Have the property address, current mortgage statement, amount required, deadline and proposed exit ready. If there is a purchase or sale contract, provide it early. A second mortgage may also require the first lender's consent, so the fastest path is not always the same security structure for every borrower.

“As little as 24 hours” describes an eligible scenario, not a guaranteed approval or settlement time. Legal documentation, title issues and missing information can change the timeline. If a deadline is imminent, call us and explain the exact date before assuming that an online application alone will be enough.

Urgent funding checklist

When a supplier, settlement or creditor has a hard deadline, identify the exact amount due and the latest time cleared funds are needed. Send the current mortgage balance, title and ownership details, any contract or invoice, and evidence of the intended repayment event. If another lender has declined or stalled, explain why; it can reveal a consent, valuation or serviceability issue early. Our business loan document checklist gives a more complete preparation list.

The fastest responsible decision is also a clear one. Ask for the proposed security, cash actually available after costs, total repayment and a fallback if the exit date moves. Secured business loans explains the property side of the decision; business bridging loans explains how a temporary funding gap should be repaid.

If a payment or settlement has a fixed date, use our urgent business loans checklist to work backwards from the deadline and prepare the property, business purpose and exit evidence.

Frequently asked questions