When timing matters, the lender's process matters as much as the price. Many online and specialist lenders now publish funding times measured in hours or days rather than weeks.
40 products from 13 lenders ยท Last checked 23 Sept 2026
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Products where the lender publishes a funding time of hours or a few days. Times are as advertised and subject to approval.
40 products from 13 lenders
Asset finance from $20K to $2M over 1 to 5 years for vehicles and business equipment, secured against the asset.
Asset finance from $20K to $750K over 1 to 5 years for vehicles and equipment, with no need to be backed by property.
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Term loan from $20K to $2M over 12 or 16 months for cash flow needs, with the option of up to 4 months of interest-only repayments.
Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.
Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.
Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Asset and equipment finance with a single application up to $1M, without needing tax returns or financial statements at that level.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Business term loan from $20K to $500K with fixed repayments.
Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Commercial finance agreement for businesses buying approved cars, trucks and equipment, arranged through accredited brokers.
Finance lease giving businesses use of approved vehicles and equipment without buying them outright, arranged through accredited brokers.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Chattel mortgage finance over 2 to 5 years for new or pre-owned equipment and vehicles, sourced locally or overseas.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.
Trade finance facility for businesses funding stock, equipment or supplier purchases.
Vehicle and equipment finance up to $2M over up to 7 years, including cars, utes, vans, trucks and trailers.
Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.
Revolving equipment line up to $2M over up to 5 years for new or second-hand equipment and fit-outs, with monthly repayments.
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The products below are ones where the lender publishes a specific funding time. Published times are usually "as little as" and depend on approval and how quickly you provide what they need.
ID, ABN details and bank statement access are the usual minimum. Delays are most often caused by missing paperwork.
Speed can come with shorter terms and higher pricing. Compare the total cost as well as the time.
Specialist lenders focused on security can settle larger amounts quickly when the exit is clear.
Some lenders publish same-day funding for approved applications. It depends on the lender, the amount and how fast you provide documents.
No differently from other applications. A formal application may add a credit enquiry, so apply where approval is likely.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.