Fast business loans to $50,000
Up to $50,000, fast, secured on your property
Need fast cash for your company? Company Cash lends from $20,000 to $50,000 against real estate you already own, with almost no questions asked and no valuation. Funding can happen in as little as 24 hours. It's a cash flow loan without the need to show cash flow.
- $20k – $50k
- No cash flow records
- No valuation needed
Fast
Funding in as little as 24 hours once approved. We don't order a formal valuation, so there's no waiting on a valuer.
Secured on real estate
Borrow up to 80% of the value of residential property or 70% of commercial property, counting what's already owed.
No cash flow records
No bank statements, BAS or tax returns needed. We look at the property, what's owed and how you'll repay.
Why cash flow lenders say no
They can't lend to you if...
A cash flow lender has one test: do your bank statements prove the repayments? When they can't, the answer is no, however good your business or your property.
No reliable cash flow
Lumpy, seasonal or new income can't be averaged into a yes. A property lender doesn't need the pattern.
Why this happens →Too many existing loans
Every debit already leaving the account comes off what a new loan can use. One secured loan can pay out the stack.
Why this happens →Serviceability caps the amount
Short terms and buffers keep the ceiling low. Equity in property lifts it.
Why this happens →Bad credit or ATO debt
A score-based lender stops at the first screen. A property lender weighs the equity first.
Why this happens →Two different questions
Cash flow lender or Company Cash?
Lenders decide on one of two things. If your statements are the problem, borrow on the thing that isn't.
| A cash flow lender | Company Cash | |
|---|---|---|
| What the lender relies on | Your bank statements and turnover | The equity in real estate you own |
| Records needed | Statements, often BAS and financials | None to enquire; title and a plan to repay to settle |
| Existing loans | Subtracted first; too many means no | Can be paid out by the new loan |
| Serviceability ceiling | Caps the loan at what your surplus can repay | Capped by equity and loan-to-value |
| Bad credit or ATO debt | Usually a decline at the first screen | Considered; the property does the heavy lifting |
| Amounts | Typically up to a few hundred thousand | $20,000 to $50,000 |
| Speed | Quick when the file is clean | Funding in as little as 24 hours once approved |
Heaps of equity?
Then we can lend without all those questions.
If you own real estate with equity in it, the questions a cash flow lender asks stop mattering. We don't need to see steady deposits, a tidy set of loans, a perfect credit file or a valuation. We need the title and a believable plan to repay: from cash flow as it comes in, or by refinancing the property or another asset in the business.
You can borrow up to 80% of the property value if it's residential and up to 70% if it's commercial. Take up to three months of prepaid interest to give your business a break, then pay weekly. A company vehicle with nothing owing can also secure a loan, up to 50% of its sale value.
How second mortgages work →Secured business loans
How we lend against property
Company Cash lends fast, from $20,000 to $50,000, against real estate you already own: up to 80% of residential value or 70% of commercial value, with no valuation. Assessed on the property and the exit, not on cash flow records. Bad credit and ATO debt are considered.
Loans $20k to $50k
Fast small business loans from $20k to $50k for Australian companies with property equity. No valuation or cash flow evidence, funded in as little as 24 hours.
Read the explainer →Easy, few questions
Easy loans for business of $20k to $50k secured on property: no bank statements, no financials, no valuation. See what we ask, and why it is so little.
Read the explainer →Fast secured loans
Fast business loans from $20k to $50k against residential or commercial property. No valuation, no cash flow records, funding in as little as 24 hours.
Read the explainer →Urgent funding
Need urgent business funding? A fast, simple loan of $20k to $50k secured on property, no cash flow evidence, funded in as little as 24 hours once approved.
Read the explainer →Same day and 24 hour loans
What a same day or 24 hour business loan really needs: equity, a short form and a quick decision. Loans from $20k to $50k, funded in as little as 24 hours.
Read the explainer →Overdue tax and debts
A secured loan of $20k to $50k can clear an overdue ATO, BAS or supplier debt fast. How it works, when it helps and what to compare first.
Read the explainer →
How it works
From enquiry to funds, without the runaround
- 1
Tell us about the property
Where it is, what it's worth, what's owed and what you need. 60 seconds, no credit check, no cash flow records.
- 2
A real person reads your file
We call you, explain how a credit assessor will see the property and confirm how much you can borrow against it.
- 3
Documents and funds
Only once you're happy do we collect the documents and run checks. There's no formal valuation, and costs are disclosed in writing before you sign.
Start your enquiry
Tell us about your property
Answer a few quick questions. There's no credit check, no cash flow records and no list of lenders receiving your details. One team reads your enquiry and calls you back with an honest view of what's possible.
- No credit check to enquire
- Bad credit and ATO debt considered
- $20,000 to $50,000 against property, no valuation
- A real person, not a queue
Prefer to talk? Call 03 7036 7566.
When a cash flow lender says no
Why it happens, and what to do next
Cash flow lenders can only lend if your bank statements prove the repayments. No reliable cash flow, too many other loans or a serviceability ceiling all end in a no. A property-secured loan answers a different question, so none of those problems apply.
Rejected? Start here
Why cash flow lenders decline companies and what to do next: the common reasons, what a decline doesn't mean, and the fast property-secured alternative.
Read the explainer →No reliable cash flow
Why lenders decline companies with irregular, seasonal or new cash flow, how they read your statements, and how a loan secured on property sidesteps the test.
Read the explainer →Too many loans
Why lenders decline companies already carrying several loans, how stacking drains cash flow, and how one loan secured on property can replace the lot.
Read the explainer →Serviceability limits
How serviceability limits cap what a company can borrow on cash flow, why the buffers shrink the figure, and how equity in property lifts the ceiling.
Read the explainer →Unsecured loans
How unsecured business loans are assessed, why cash flow lenders decline companies, and how a fast loan secured against property avoids those limits.
Read the explainer →Line of credit
How a business line of credit is assessed, why lenders cut limits or decline, and how a fast secured loan against property gets you funded anyway.
Read the explainer →Try it now
A ten-second look at your equity
Pop in the value of a residential property and what's owed on it; we use 80% of the value as the ceiling. The full equity and LVR calculator lets you test different valuations and lender limits, and the borrowing power calculator compares property with cash flow.
Indicative only, using simple assumptions. Not an offer of finance.
Who we fund
Companies across every Australian industry
Every trade has its own cash cycle, and its own reasons for being turned down. Our industry pages show how lenders read yours.
No credit check to ask
Finding out what your company could borrow leaves no mark on your credit file. A check only happens if you decide to proceed.
Your file stays with us
We don't auction your enquiry to a queue of lenders. The person who reads it is the person who works on it.
Lender's-eye honesty
We tell you how a credit team will see your numbers, good or bad. Accurate form answers mean the first option you hear is the right one.
From the credit desk
Guides written by a lender
What assessors look for, how second mortgages and caveat loans differ, and how to compare offers properly.
ATO Payment Plan or Business Loan? How to Choose
Overdue ATO debt? Compare a payment plan with a secured business loan on cost, speed and risk, and see which suits your company.
How Much Can a Small Business Borrow Against Property?
Work out how much your company could borrow against property: value, the 80% and 70% limits, what is owing, and a worked example under $50,000.
How to Get a Business Loan in 24 Hours: A Practical Guide
A practical guide to getting a business loan funded in 24 hours: what to prepare, which loans can move that fast and the warning signs to watch for.
Common questions
What is Company Cash?
Company Cash is an Australian business lender that makes fast loans of $20,000 to $50,000 secured against real estate, or against a company vehicle with nothing owing. It works like a cash flow loan without the need to show cash flow, and it's where companies go when a cash flow lender has said no. A real person reads every enquiry.
How fast can I get funds?
In as little as 24 hours once approved. We don't need a formal valuation, which is usually the slowest step elsewhere. Timing still depends on the title and how quickly documents come back, so we'll tell you honestly what's realistic.
Do I need cash flow records or tax returns?
No. A property-secured loan is assessed on the value of the property, the debt already against it and how the loan will be repaid. You don't need bank statements, BAS, financial statements or tax returns to enquire or to be assessed.
Can I borrow with bad credit or an ATO debt?
Yes, these are considered case by case. Because the lender has real estate behind the loan, defaults, judgments and tax arrears are weighed against the equity rather than ending the conversation. Tell us upfront and we'll tell you honestly what's possible.
Why did my cash flow lender say no?
Usually because your statements didn't prove the repayments with a comfortable buffer: uneven deposits, too many existing loans, a serviceability ceiling or credit marks. None of those is a verdict on your business, and none applies to a loan assessed on property.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A check only happens if you decide to go ahead with a formal application, and you'll know before it does.
What property can I use?
Residential or commercial real estate owned by the company, a director, a trust or a guarantor. Most capital city and large regional properties work. Very remote, specialised or heavily encumbered properties are assessed more carefully.
What can the money be used for?
Any genuine business purpose: clearing a tax debt, paying out other loans, buying stock or equipment, a purchase or settlement, or a gap while a contract or sale completes. Our loans are for business purposes only.
Is this an easy small business loan?
It is a simple one. A fast small business loan of $20,000 to $50,000 secured on property skips the paperwork cash flow lenders ask for: no bank statements, BAS or tax returns. You tell us the amount, the property and what is owing, and a person calls you back. Lending is still subject to assessment.
I have been rejected by other lenders. Can you still help?
Often, yes. If you have been rejected by cash flow lenders because of uneven deposits, existing loans or a credit mark, a property-secured loan is assessed a different way, on the equity and how the loan will be repaid. We will tell you honestly if it is not a fit.
I need urgent funding for my business. What is the fastest route?
Start the 60-second enquiry. For a simple, fast business loan of up to $50,000 against property, funding can follow in as little as 24 hours once approved. Having the property address, what is owing and the company details ready is what keeps it quick.
Own property? You may be closer to a yes than you think
One short enquiry, no credit check, no cash flow records, and a real person who tells you straight what your property could support.
No credit check to ask
Your file stays with us
Lender's-eye honesty