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Instant Business Finance
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Business loans Melbourne, VIC

Business loans in Melbourne, no waiting around

Instant Business Finance funds Melbourne and Victorian businesses with caveat loans, second mortgages and property-secured loans up to $5 million in as little as 24 hours, and cash-flow loans in as little as 2 hours, with no financials for secured loans and bad credit considered.

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Princes Bridge and the Melbourne skyline over the YarraVICfunded fast, fully online
Updated 11 October 2026Reviewed by the Instant Business Finance lending teamHelping Australian businesses since 2012

Fast finance for Melbourne businesses

Melbourne's hospitality, manufacturing, construction and retail sectors keep us busy, from laneway cafés to fabricators in Dandenong and builders across the growth corridors. Caveat loans are especially popular with Victorian owners who need speed without refinancing their home loan.

Areas we fund

Two fast lanes for Melbourne owners

Own propertyNo property
Funds inAs little as 24 hoursAs little as 2 hours
Amount$20,000 to $5,000,000Sized to turnover
FinancialsNot neededBank statements only
Bad creditConsideredCase by case

How a property-secured loan settles in VIC

In Victoria a property-secured business loan usually settles as a caveat loan: a caveat is lodged on the title so the funds can be released the same day the loan settles, and a second mortgage is registered behind it. It funds in as little as 24 hours. Caveat loans in Melbourne explains the detail.

Popular with Melbourne businesses

Business owner on the phone working through paperwork at her laptopPay an ATO or tax debtWith or without propertyBusiness owner signing loan documentsConsolidate business debtsWith or without propertyNew business owner holding up the keys to his shopBuy a businessWith or without propertyMechanical workshop with tools and a vehicle on a liftRepair broken equipmentNo property neededSmall business owner behind the counter of her storeFix a cash-flow gapWith or without propertyNew business owner holding up the keys to his shopRescue a settlementProperty-secured

When it can't wait

Need a business loan urgently? What to do in the next 24 hoursGot a director penalty notice? What the 21 days mean and how to fund itATO garnishee notice on your business account: what to do in the first 48 hoursCan't make payroll this week? Your options, fastest first

Frequently asked questions

Are caveat loans available in Victoria?

Yes. Caveat loans are commonly used in Victoria and can be funded in as little as 24 hours.

Can I get funded without visiting an office?

Yes. Everything is handled by phone and online.

Does it cost anything to apply?

No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.

Will checking my eligibility affect my credit score?

No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.

Loan types

Urgent business loansFast business loansSame day business loansCaveat loansSecond mortgage business loansUnsecured business loansBad credit business loansBusiness bridging loans
Instant Business Finance

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.

See if you qualify1300 863 711
See if you qualify in 60s