Fast Business Loans
$5,000 to $5 million. Decision in hours, funded in 24 to 48. Compare 50+ Australian specialist business lenders, unsecured, secured, lines of credit and asset-backed. ABN only options, no property required, bad credit considered.
Built for speed, structured properly
Most fast business loans collapse on bad structure, not bad credit. We match your turnover, time in business and use of funds against the lender most likely to fund quickly at the sharpest rate.
Decision in 2 to 6 hours
Apply before noon and most lenders will return a conditional offer the same business day.
Light-touch documents
ABN, drivers licence and 6 months of business bank statements is enough for offers up to $150k.
Soft credit at quote
We compare offers without leaving a hard footprint on your credit file. One enquiry only on acceptance.
Unsecured options
Borrow up to $500k without bricks and mortar. Director personal guarantee is standard.
Bad credit considered
Defaults, Part 9, ATO arrears under repayment plan. Specialist lenders fund where banks decline.
Best-fit, not first-fit
We compare 50+ lenders rather than push you to the first yes. Better structure, lower true cost.
Fast business lenders we compare
Specialist Australian funders ranked for speed of settlement.
Prospa
Unsecured small business loans
Bizcap
Bad credit and short-term capital
OnDeck
Working capital and cash flow
Capify
Merchant cash advance and term loans
ScotPac
Invoice finance and asset-backed
Lumi
Unsecured ABN-only loans
Banjo
Established SMEs, larger amounts
Moula
Bank-data driven approvals
Compare fast business loan options
Indicative figures for Australian SMEs at the time of writing. Final terms depend on lender, turnover, security and credit profile.
| Loan type | Amount | Speed to fund | Security | Best for |
|---|---|---|---|---|
| Unsecured business loan | $5k to $500k | 24 hours | None (personal guarantee) | Working capital, opportunistic spend |
| Secured business loan | $50k to $5m | 3 to 7 days | Property or asset | Larger funding, lower rate |
| Line of credit | $10k to $500k | 48 hours | Optional | Flexible drawdowns, cash flow gaps |
| Invoice finance | Up to 90% of invoice | 24 to 48 hours | Receivables | B2B businesses with debtor book |
| Merchant cash advance | $5k to $300k | Same day | EFTPOS receipts | Retail, hospitality with card sales |
| Equipment finance | $10k to $1m+ | 24 to 72 hours | Equipment itself | Vehicles, machinery, tech |
Rates vary by lender and are subject to lender assessment, security position and credit profile. All applications are subject to responsible lending checks.
Who qualifies for a fast business loan
Fast business loan FAQs
The questions Australian business owners ask us most.
Related reading
How fast can you get a business loan in Australia
Realistic timelines from application to settled funds.
Read moreSame day business loans
Who actually funds same day, and how to qualify.
Read moreUnsecured fast business loans
Borrow up to $500k without putting up property.
Read moreFast business loans for bad credit
Defaults, Part 9 and ATO arrears, what is fundable.
Read moreBusiness Lending Hub
All commercial finance options at a glance.
Read moreReady to fund your next move?
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One short form, then a specialist compares our 50+ lender panel for your situation. Rates from 6.49% p.a. No credit impact to get started.