What this funding is designed to do
A home or commercial property refinance can take weeks or months. Where the need is genuinely for business, a short-term Equity Tap facility may release capital now and be repaid by the incoming refinance.
This structure depends on sufficient equity and a realistic refinance path. It should complement—not disguise—the long-term plan.
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 approachMake sure the long term refinance is a real exit
A short term bridge can give a business access to capital while a bank refinance progresses, but “the bank will refinance later” is not enough by itself. Clarify whether the refinance has been lodged, what valuation and serviceability assumptions it relies on, whether the incoming lender will accept the proposed structure and the likely settlement date.
Ask what happens if the bank declines or the timetable slips. A sale, another acceptable lender or an evidenced business receipt may be a fallback, but each has its own timing and costs. Equity Tap's exit strategy guide helps frame those questions before the bridge is taken out.