The facts at a glance
| Lending since | 2012 |
|---|---|
| Who we lend to | Australian businesses, Australia-wide |
| Property-secured loan size | $20,000 to $5m |
| Property-secured funding time | In as little as 24 hours |
| Valuation | None needed: no valuer, no valuation report |
| Financials and cash-flow records | Not needed for property-secured loans |
| Credit history | Bad credit OK on property-secured loans |
| Minimum trading period | None for property-secured loans; 6+ months for loans without property |
| Loans without property | Need cash-flow records and 6+ months trading |
| How property-secured loans settle | Caveat loan in Victoria only; registered second mortgage in other states and territories; first mortgage where nothing is owing |
| Eligibility check | 60 seconds online |
| Effect on your credit score | None: enquiring won’t affect your credit score |
| Cost to apply | No cost to apply |
| Pricing | Based on your individual circumstances, at the sharpest rate available for your situation. We don’t publish rate cards. |
Built for urgent business funding
Instant Business Finance exists for one kind of problem: a business that needs money quickly and cannot wait weeks for a bank. The ATO deadline, the wage run, the settlement and the supplier who wants paying first all have dates attached, and our process is built around those dates.
For property owners that means a loan decided on the property, the equity, the purpose and the exit, with no valuation, no financials and no bank statements. For businesses without property it means a loan assessed on cash-flow records, for businesses trading six months or more.
What we don’t do
We don’t publish interest rates or “from” rates, because every loan is priced on the borrower’s own situation and a headline number helps nobody. We don’t charge to apply, and the 60-second check makes no credit enquiry. And we don’t write caveat loans outside Victoria; elsewhere the same loan settles on a registered second mortgage.
Contact details
- Phone: 1300 863 711
- Hours: Monday to Friday, 9am–5pm AEST
- Online: see if you qualify in 60 seconds
- Website: instantbusinessfinance.com.au
Related pages
Frequently asked questions
How long has Instant Business Finance been lending?
Since 2012, helping Australian businesses get funded quickly.
How much can I borrow against property?
From $20,000 to $5m, depending on the equity in the property and what is already owing on it.
Do you need a valuation?
No. Property-secured loans need no valuer and no valuation report.
Do I need financials or bank statements?
Not for property-secured loans. Loans without property need cash-flow records and at least six months of trading.
Will enquiring affect my credit score?
No. The 60-second eligibility check makes no credit enquiry, and there is no cost to apply.
How do I contact you?
Call 1300 863 711, Monday to Friday, 9am to 5pm AEST, or start the 60-second eligibility check online and a lending specialist will call you back.
Instant Business Finance is a trading name of Company Cash Pty Ltd · ABN 88 673 762 297
