Straight answers on fast business finance
Plain-English answers for Australian business owners with a deadline: tax notices, legal demands, payroll, settlements and how fast money can really move.
The Australian Business Funding Speed Report
How long business loans actually take to fund in Australia — median enquiry-to-funds times by loan type, state and industry, from 5,626 loans since 2012. Nobody else publishes this.
Read the report →When the money is needed now
Need a business loan urgently? What to do in the next 24 hours
If you need a business loan urgently, pin down three things first: the real deadline, the exact amount and how the loan gets repaid. Then…
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Can't make payroll this week? Your options, fastest first
If you can't make payroll, tell your staff early and work out the real number: net wages, PAYG withholding and super. Then go fastest…
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Finance fell through days before settlement? Your options
If your bank pulls out days before settlement, you're usually still bound by the contract. Miss the date and the vendor can serve a notice…
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Supplier moved you to cash on delivery? How to fund stock fast
When a supplier moves you to cash on delivery, you lose the free credit you were using to carry stock, and the switchover month can double…
Read the guide →Bank declined your business loan? What to do next
A bank decline is usually a policy mismatch, not a verdict on your business. ATO debt, financials not lodged, under two years trading and…
Read the guide →How fast can I get a business loan?
The fastest business loans in Australia are cash-flow loans assessed on bank statements, which can be funded in as little as 2 hours.…
Read the guide →ATO, tax and legal deadlines
Got a director penalty notice? What the 21 days mean and how to fund it
A director penalty notice makes you personally liable for your company’s unpaid PAYG withholding, GST and super guarantee charge. The ATO…
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ATO garnishee notice on your business account: what to do in the first 48 hours
An ATO garnishee notice requires your bank, customers or card facility provider to pay the ATO money they hold for you or owe you. For a…
Read the guide →Received a statutory demand? How to deal with it inside 21 days
A creditor's statutory demand gives a company 21 days from service to pay the debt, or secure or compound it to the creditor's reasonable…
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Can't pay your BAS on time? What to do before the due date
Lodge your BAS on time even if you can't pay it: the failure-to-lodge penalty is separate from the debt and can reach $1,820 per statement…
Read the guide →The ATO stops taking credit cards after 30 November 2026: how to pay your BAS instead
The ATO will stop accepting credit cards as a payment method after 30 November 2026. If you pay BAS or tax on a card, or an ATO direct…
Read the guide →Will the ATO report my business tax debt to credit agencies? The $100,000 rule
Yes, if all four tests are met: the business has an ABN and is not an excluded entity, owes at least $100,000 of tax overdue by more than…
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Payday Super: what it does to your cash flow, and how to fund it
From 1 July 2026, super must reach each employee's fund within 7 business days of payday rather than once a quarter. The super costs the…
Read the guide →Can I get a business loan with an ATO debt?
Yes. ATO debt does not disqualify you from business finance, and clearing it is one of the most common reasons these loans are written.…
Read the guide →Unlock your property equity
How to unlock the equity in your property for your business
Equity is your property's value minus every loan secured against it. A business can borrow against a portion of that equity through a…
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Use your equity without refinancing your home loan
You can borrow against your equity without touching your existing home loan. A second mortgage sits behind the first, leaving its rate and…
Read the guide →Pay an ATO debt with property equity: when it beats a payment plan
A payment plan is often the cheaper way to clear an ATO debt, if you qualify and can keep it. Property equity wins when time is the…
Read the guide →The benefits of instant business finance: what speed is actually worth
Instant business finance puts money in the account on a known date, usually days or hours after you apply, not weeks. The benefit is what…
Read the guide →Behind on rent, wages or suppliers
Behind on commercial rent? Your options before the landlord acts
When commercial rent is overdue, a landlord can usually issue a breach notice, call on your bond or bank guarantee, chase guarantors and,…
Read the guide →Behind on wages or super? How to catch up fast
Unpaid wages are enforced by the Fair Work Ombudsman and can reach directors and managers personally. Unpaid super is enforced by the ATO…
Read the guide →Behind with suppliers and creditors? How to get back to even
Suppliers usually escalate from an account hold to cash on delivery, then a letter of demand, a statutory demand or a court claim. Pay…
Read the guide →Opportunities worth moving fast on
Stock going cheap? How to fund a bulk buy before it’s gone
A bulk buy is worth financing when the discount is big enough to cover the cost of the money, the storage and the time it takes to sell.…
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Need a deposit for a business purchase? Move before a rival does
Vendors and brokers favour the buyer who can show a verified deposit and exchange quickly. If you own property, a property-secured loan…
Read the guide →Buying at auction? How to fund the deposit and settlement
At auction the winning bidder usually signs an unconditional contract and pays the deposit on the day, with no cooling-off and no finance…
Read the guide →Credit and applying
Can I get a business loan with bad credit?
Yes. Defaults, judgments, arrears and a previous bank decline do not rule you out of business finance in Australia. They rule you out of…
Read the guide →Does applying for a business loan affect my credit score?
Checking your eligibility with Instant Business Finance does not affect your credit score, because our 60-second check doesn't make a…
Read the guide →Caveat loans and property
What is a caveat loan and how does it work?
A caveat loan is a short-term business loan secured against property you already own. Under the loan contracts it is a second mortgage…
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Caveat loan vs second mortgage: the honest answer
A caveat loan and a second mortgage are not two different products. Under the loan contracts a caveat loan is a second mortgage loan — the…
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The fastest road to funding starts here.
See if you qualify in 60 seconds. Funds in as little as 2 hours without property, or up to $5M in 24 hours secured by property. No cost to apply, and no credit score impact.