Business owners lending to business owners
Equity Tap Pty Ltd is a direct, independent private business lender. We lend our own money to business owners right across Australia, from our office at 116 Miller St, North Sydney. There is no bank behind us, no panel of funders to shop your file around, and no credit committee meeting next Thursday. The person who answers the phone is often the person who makes the decision.
Equity Tap lends from $50k to $5m for one to twelve months, secured by a first or second mortgage or caveat over Australian residential or commercial property. Every loan is for a business purpose: paying the ATO, buying stock, settling a property, clearing expensive daily-repayment debt, covering a timing gap or seizing an opportunity before someone else does.
Why our lending works differently
We are not bank people. Our team comes from business backgrounds and has been lending to business owners for a long time, so we look at what the money is for and how it will be repaid, not at whether your last two tax returns tick a box.
- Fast. Conditional approval can often be given on the phone, with a term sheet in about 30 minutes once we have the scenario. Eligible loans can settle in as little as 24 hours.
- Short-term by design. Borrow for the time you need the money, from one month to twelve months, then repay it from your exit.
- No valuers. We don't order a valuation before approval, which saves time, saves the cost, and keeps you in your business instead of waiting at a property for a valuer.
- Flexible repayments. Interest only, or interest for up to the first six months prepaid or added to the loan so there are no scheduled payments in that period.
- Credit history is not the whole story. There is no credit check at initial assessment. Defaults, ATO debt or a past decline are not automatically a problem.
- Ethical. We make sure you fully understand the loan, the costs and the exit before you proceed.
Each loan is priced on the client's individual circumstances, aiming for the sharpest rate available for that situation, with the full cost shown before you proceed. Brokers are welcome too: send scenarios through our broker page and deal with the same lending team.
Find the loan that fits your situation
Every page below explains one way business owners and brokers use Equity Tap. Start with the one closest to what you are facing.
- Private business loans: our main lending page, who it suits and how we compare to banks and cash flow lenders.
- Why short-term business loans: borrow for two months if you need it for two months, not a 20-year refinance.
- Second mortgage vs refinancing your first mortgage: leave your existing home loan alone and still get the money fast.
- No repayments business loans: interest prepaid or added for up to the first six months.
- Interest-only business loans: keep repayments low and repay the principal from your exit.
- One-month business loans: very short terms of one to three months for timing gaps.
- Same-day business loan approval: conditional approval on the phone and a term sheet in about 30 minutes.
- Low doc business loans: no tax returns, BAS or bank statements for property-secured loans.
- Business debt consolidation loans: clear daily and weekly repayment loans, ATO debt and creditors with one secured facility.
- Secured working capital loans: use property equity to fund stock, wages and growth.
- Refinance an expiring private loan: when your private or bridging lender won't extend.
- Private lender vs bank: how a business owner's decision compares to a bank credit process.
- Ethical business lender: how we make sure you understand the loan, the costs and the exit.
Talk to a lender today
Tell us what you need, what property you can offer as security and how you plan to repay. You will usually have an answer on the same call. Apply online or phone 1300 123 024.
Business-purpose lending only. Approval, timing and terms depend on the scenario.
Frequently asked questions
What does Equity Tap lend?
Is Equity Tap a bank or a broker?
How fast can I get a private business loan?
Do you need a valuation before approving my loan?
Can I get a loan with bad credit or ATO debt?
Do you work with brokers?
Brokers: send the scenario through the Equity Tap broker channel and you will deal with the same lending team.