Capital sources
Business capital sources, ranked by speed
Every way an Australian business can raise capital — loans, lines, invoice and revenue-based funding, mortgages, caveats and equipment finance — and how quickly each one can realistically land.
Working capital loans
Working capital loans for Australian businesses explained by speed: unsecured and property-secured options, what lenders check and how to get funded quickly.
Read more →Cash flow loans
Cash flow loans let Australian businesses borrow on turnover and bank statements, not assets. How they're sized, how fast they land, who they suit.
Read more →Business line of credit
How a business line of credit works: limits sized on turnover, how long set-up takes, how fast you can draw, and when it beats a term loan.
Read more →Unsecured business loans
Unsecured business loans for Australian businesses: $5k to $500k sized on turnover, same-day funding possible for smaller amounts, and what speeds approval.
Read more →Revenue-based finance
Revenue-based finance explained for Australian businesses: how repayments flex with sales, who it suits, how fast it lands and what to compare before signing.
Read more →Merchant cash advance
Merchant cash advances explained: how card-sales funding works, how it's repaid from takings, how fast it lands and how it compares with a loan.
Read more →Invoice finance
Invoice finance turns unpaid business invoices into fast working capital. Factoring vs discounting, set-up timing and how quickly advances land.
Read more →Trade finance
Trade finance for importers and wholesalers: how it pays suppliers, how long set-up takes, and faster options when a container deposit is due.
Read more →Equipment finance
Equipment finance explained: asset-secured funding for vehicles and machinery, what speeds it up, the instant asset write-off and faster options.
Read more →First mortgage business loans
First mortgage business loans from $20k to $5m secured on residential or commercial property. Up to $5m possible within 24–48 hours with a private lender.
Read more →Second mortgage business loans
Second mortgage business loans let you borrow against equity without refinancing your home loan. $20k to $250k possible same day; up to $5m in 24–48 hours.
Read more →Caveat loans
Caveat loans for business: short-term capital secured by a caveat on property. $20k to $250k possible same day; up to $5m possible in 24–48 hours.
Read more →Bridging finance
Bridging finance for business: property-secured capital that covers the gap until a sale, refinance or payment lands. How it works and how fast.
Read more →Private lenders
Private lender business loans: how non-bank lenders assess deals, why they move faster than banks, and how to plan your exit back to a bank.
Read more →Low doc business loans
Low doc business loans for owners whose tax returns or financials are behind. What low doc means, what you still need and how fast it lands.
Read more →Bad credit business capital
Bad credit business capital in Australia: how lenders weigh defaults and ATO debt, which lanes stay open, and how to still get funded fast.
Read more →See what your business could qualify for
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