Not every business can show two years of clean financials. Non-cashflow finance, also called asset-backed or security-based lending, is assessed mainly on the value of the security offered, usually property, rather than on trading figures.
14 products from 3 lenders ยท Last checked 24 Sept 2026
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14 products from 3 lenders
Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.
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.
Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.
Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.
Commercial investment property loan assessed on the lease: for properties with at least a 2-year arm's length lease, over up to 25 years.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Full Doc verification.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.
Loan to a self managed super fund to buy or refinance residential investment property, up to $5M.
Short-term private loan from 3 months to 3 years secured by residential property, up to $7.5M, for business or investment purposes with a clear exit.
Short-term private loan for property developers secured by unsold completed residential or commercial stock.
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This is where the difference between getting a rate and getting funded is clearest. A business with strong equity but patchy paperwork can often be funded quickly by a lender that focuses on the security and a clear exit strategy.
The lender values the security and lends up to an agreed LVR, often through a first mortgage, second mortgage or caveat. Terms are usually shorter and the lender will want to understand how the loan will be repaid, such as refinance, sale or incoming funds.
Yes, some lenders will lend against property security without full financials. Expect lower maximum LVRs and a focus on how the loan will be repaid.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.