Equity Tap
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Independent. Direct. Decision-maker on the phone.

Independent private business lender: talk to the person who makes the decision.

Equity Tap is an independent Australian private business lender. We lend our own money, we do not run loans through a credit committee, and the person who answers your call is often the person who decides.

Let's Get Started Call 1300 123 024
$50k–$5mBusiness facilities
1–12 monthsShort-term options
As little as 24hFor eligible scenarios
Australia-wideProperty security
independent private business lender

What independent means at Equity Tap

Equity Tap is not a bank, not a broker and not a marketplace passing your details to a panel. It is a private lender that has lent its own money since 2022. Nobody above us has to sign off on a scenario, and we are not working to a bank's scorecard. That is what independent means in practice: the same small team that hears your story is the team that decides whether to lend.

No credit committee

Larger lenders usually send a business loan up a chain: a call centre or assessor, then a credit analyst, then a credit committee that meets on a schedule. Each handover adds days, and the people deciding often never speak to the borrower. At Equity Tap there is no credit committee to wait for. You describe the property, the business purpose and how the loan will be repaid, and the person you are speaking to is frequently the one who makes the call.

Why that matters when time is short

  • Faster answers. A decision made in the conversation does not wait for a committee date.
  • Fewer surprises. You explain the situation directly instead of relying on someone else to summarise it on a form.
  • Sensible structures. When a scenario is unusual, you can discuss options with someone who has the authority to change the structure on the spot.
  • Plain answers. If a deal does not fit, you hear that quickly and can move on to another option.

What we lend on

Equity Tap provides business loans from $50k to $5m for one to twelve months, secured by acceptable residential or commercial property in Australia as a first or second mortgage. We do not need a valuation before approval, and for property-secured loans we do not ask for tax returns, BAS or bank statements. Eligible, straightforward loans can be funded in as little as 24 hours once approved. Loans are for business purposes only.

Who uses an independent private lender

  • Business owners whose bank is taking too long or has said no.
  • Owners who want to keep an existing first mortgage and borrow behind it with a second mortgage.
  • Brokers who need a direct lender with a decision-maker available to talk through a scenario.
  • Owners declined or delayed by a cash flow lender who want a loan based on property equity.

How to reach the team

Call 1300 123 024 on weekdays from 9:00am to 5:30pm AEST, start the secure online application or book a call. Pricing is set on your individual circumstances, the sharpest rate available for your situation.

Frequently asked questions

Is Equity Tap an independent lender?
Yes. Equity Tap is an independent private business lender that lends its own money and makes its own lending decisions. It is not a bank and it does not pass loans to a panel of lenders.
Does Equity Tap have a credit committee?
No. There is no credit committee to wait for. The person who answers the phone is often the person who makes the decision.
Who will I speak to about my loan?
You deal directly with the Equity Tap lending team, the same people who assess and decide on the loan. Brokers deal with the same team.
What is the difference between an independent private lender and a bank?
A bank usually assesses a business loan through scorecards, analysts and a credit committee. An independent private lender such as Equity Tap decides directly, based on the property security, the business purpose and the plan to repay the loan.
How much can I borrow from Equity Tap?
Business loans from $50k to $5m, for one to twelve months, secured by acceptable residential or commercial property in Australia.
Does Equity Tap need a valuation?
No. A valuation is not needed before approval.

Brokers: send the scenario through the Equity Tap broker channel and you will deal with the same lending team.

Clear answer. Fast.

Tell us what needs to happen, and when.

A lending specialist will assess the property, the business purpose and your exit strategy.

Let's Get Started