Quick answer
A fast secured business loan from Company Cash is up to $50,000 lent against real estate you already own, up to 80% of the value for residential property and 70% for commercial, with no valuation and no cash flow records. Straightforward files can be funded in as little as 24 hours once approved. It's where companies go when a cash flow lender has said no. Bad credit and ATO debt are considered.
Key points
- Up to 80% of the property value for residential property and 70% for commercial, counting what is already owed.
- No formal valuation, and almost no questions asked.
- Up to three months of prepaid interest, then weekly repayments.
- Assessed on the equity in real estate, not on bank statements or tax returns.
- From $20,000 to $50,000, secured against residential or commercial property.
- Fast because there is less to verify: the property, the debt against it and the exit.
- Bad credit, defaults and ATO debt are considered rather than disqualifying.
- Amounts
- $20,000 to $50,000
- Speed
- funding in as little as 24 hours once approved
- Loan to value
- Up to 80% residential, up to 70% commercial
- Valuation
- Not required
- Repayments
- Up to 3 months prepaid interest, then weekly
- Security
- Residential or commercial property owned by the company, a director or a guarantor
- Cash flow records
- Not required
- Credit check to enquire
- None
Most business lenders start with one question: can your cash flow carry the repayments? Company Cash starts with a different one: what is the property worth, and how will the loan be repaid? That single change is why our loans are fast, why they don’t ask for cash flow records and why they remain available to companies that other lenders have turned down.
The terms at a glance
Company Cash lends from $20,000 to $50,000 to Australian companies, and the rules are deliberately simple:
- Security: residential or commercial real estate owned by the company, a director, a trust or a guarantor. A company vehicle with nothing owing can also be security.
- How much: up to 80% of the property value if it is residential, up to 70% if it is commercial, counting anything already owed against the title. For a vehicle, up to 50% of its sale value.
- Valuation: none. We work from the property details and the title, which removes the slowest step of most secured loans.
- Speed: funding in as little as 24 hours once approved, and we can commit to that where other lenders can only steer you toward a quick path.
- Repayments: up to three months of prepaid interest to give the business a break, then weekly repayments.
- Exit: most companies repay from incoming cash flow. Others refinance the property or another business asset to clear the loan.
It is like a cash flow loan without the need to show cash flow, which is the main reason it suits companies that have been declined elsewhere.
What a fast secured business loan is
A fast secured business loan is a loan for business purposes where the lender takes security over real estate. In practice that means one of three structures. A second mortgage sits behind an existing home or commercial loan and releases equity without touching the first lender. A first mortgage is used where the property is owned outright or the whole debt is refinanced. A caveat loan is the quickest and shortest of the three, secured by a caveat lodged on the title.
The common thread is that the property is the main assurance. The lender looks at its value, what is already owed against it and how the loan will be repaid or refinanced. Your trading history becomes background information, not the test you must pass.
Why it is fast
Speed comes from having less to check. A cash flow lender has to verify months of statements, reconcile deposits, look for conduct problems and test serviceability. A property lender verifies the title, confirms the debt already registered and agrees the exit. Company Cash doesn’t need a formal valuation for loans up to $50,000, which removes the slowest step of all. Each of the remaining steps is quick when the file is straightforward.
On a simple file, funding in as little as 24 hours is possible once approved. That depends on the title and the paperwork being ready, so treat it as possible rather than guaranteed. Our page on property valuations explains how other lenders value property, and the documents checklist lists what to have ready.
Who it suits
Fast secured loans suit companies that own real estate, or have a director who does, and that have run into a limit on the cash flow side. Typical situations include:
- A cash flow lender has declined or cut your facility.
- Too many existing loans mean new lenders see no room in the account.
- Serviceability limits cap what you can borrow below what you need.
- Tax debts, a short trading history or unlodged returns have made a bank say no.
- A deadline such as a settlement, a supplier deal or an ATO notice leaves days rather than weeks.
- Credit marks, defaults or past insolvency make a score-based lender stop at the first screen.
If any of those sound familiar, our page on being rejected by a cash flow lender explains why it happened and what to do next.
What you need to apply
You don’t need financial statements, tax returns or an accountant’s letter. You do need the basics: who owns the property and its address, roughly what it’s worth, what’s owed against it and what the money is for. A recent rates notice or loan statement helps. For a company, the lender will also need ID for the directors and company details. If the property is in a trust, have the trust deed to hand.
You’ll also need an exit. Even where repayments are monthly, a lender wants to know how and when the loan will end. A refinance to a bank once your records are tidy, a sale, an incoming payment or a gradual repayment from restored cash flow are all valid. Our page on exit strategies explains how to present one.
What it costs
Property-secured loans from non-bank lenders usually cost more than bank loans, because they say yes where a bank says no and they move quickly. Costs typically include interest, an establishment fee and the lender’s legal costs. Always ask for the total dollar cost over the period you expect to keep the loan, including what an extension would cost if the exit runs late. Our guide on the total cost of a business loan shows how to compare offers fairly. We don’t publish rates on this site, because the right price depends on the property, the amount, the position and the term.
The risk you take on
Putting property behind a loan is a serious step, and it deserves a clear head. If the loan can’t be repaid and the problem can’t be fixed, the lender can ultimately enforce its security. If the property is your home, that risk is personal. Before you sign, make sure the repayment or exit is realistic, every owner of the property understands what they’re signing, and you’ve had independent legal advice. Our page on using your home as security covers this in detail.
How we work
You tell us about the property and what you need through a short enquiry. There’s no credit check at that stage, and your details aren’t sent to a crowd of lenders. One team reads your file, explains how a credit assessor will see the property, and tells you plainly what’s likely to be possible, and what it will cost. If it makes sense, we move to documents, valuation and settlement. If it doesn’t, we’ll say so.
Start with the property
Tell us what you own, what you owe against it and what you need, using our enquiry form. It takes about 60 seconds, involves no credit check and needs no cash flow records. A real person will come back to you with an honest view of what’s possible. Start your enquiry.
Frequently asked questions
How fast can a secured business loan be funded?
On a straightforward file Company Cash can fund in as little as 24 hours once approved, because we don't order a formal valuation. It depends on the title and how quickly documents come back, and complex ownership structures take longer.
Do I need to show cash flow or tax returns?
Not for a property-secured loan from Company Cash. The lender assesses the property, the debt already against it and how the loan will be repaid. Having the paperwork doesn't hurt, but nothing hinges on it.
Can I borrow with bad credit or an ATO debt?
Yes, these are considered case by case. Equity in the property is what the lender relies on, so credit marks are weighed against it rather than ending the conversation.
What property can be used?
Residential and 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.
Why would I choose this over my bank?
Speed, flexibility and a yes on files a bank's policy can't accommodate. A bank is often cheaper when your file fits its box and you have weeks to spare. If it doesn't fit, or you don't have the time, a secured loan is the practical alternative.