Quick answer
If you need urgent funding for your business and own property, Company Cash can offer a fast, simple business loan of $20,000 to $50,000 secured on it. There is no formal valuation and no cash flow evidence, and funding can follow in as little as 24 hours once approved.
Key points
- A fast, simple business loan of $20,000 to $50,000.
- Secured on property, up to 80% of residential or 70% of commercial value.
- No bank statements, BAS or tax returns.
- Funding in as little as 24 hours once approved.
- Best for
- Urgent gaps, overdue bills, stock, wages, tax
- Security
- Property equity or a company vehicle owned outright
- Loan size
- $20,000 to $50,000
- Speed
- As little as 24 hours once approved
Most business cash problems are not a surprise. They are a timing problem that arrives on a bad day. A supplier puts you on hold, payroll falls due before a client pays, a tax bill lands, or a good opportunity needs a deposit by Friday. When that happens, a fast, simple business loan matters more than the lowest possible price, and the question is who can say yes quickly.
What urgent funding really means
A fixed deadline. Wages, rent, a supplier cut-off, a settlement date or a payment plan instalment will not move because your invoices are late.
A gap, not a hole. The business is sound, but the money arrives after the bills. That is the kind of problem a short loan is built to bridge.
Limited time to explain. Nobody has a week to gather bank statements, tax returns and financial statements for a lender who may then say no.
Why a property-secured loan is faster
A cash flow lender has to prove, from your recent statements, that the repayments are comfortable. That takes documents, analysis and often a second round of questions. A property-secured loan starts from a simpler place: what the property is worth, what is already owed against it and how the new loan will be repaid. We do not order a formal valuation to start, which is usually the slowest step elsewhere.
Loans run from $20,000 to $50,000 on property you or a director own, to 80% residential or 70% commercial value, less what is owed. We skip the formal valuation and cash flow evidence, and approved loans can be funded in 24 hours at the quickest. Read how that works in our guide to getting a business loan in 24 hours.
Easy, simple and fast: what to expect
People search for an easy small business loan, a simple business loan or a fast simple business loan because they want less friction. Here is what simple means in practice.
- A short enquiry. Your amount, the property, what is owing, your state, your monthly cash flow and your business name.
- A call from a person. Someone reads your enquiry and tells you straight what the property could support.
- A clear next step. If it fits, we explain what documents are needed and how long each step takes.
- Funding. In as little as 24 hours once approved, subject to the title and documents.
Nothing here is an offer of finance. Lending is subject to assessment, and we will say so early if it is not a fit.
What an urgent loan can cover
- Wages, super and PAYG that fall due before invoices are paid.
- An overdue supplier account that has stopped deliveries.
- A tax or BAS bill. See loans to pay overdue tax and business debts.
- A large stock order or a deposit on a contract.
- A repair to a vehicle, a machine or a premises.
- Paying out a more expensive facility so that weekly payments fall.
If you have been rejected by other lenders
A rejection from a cash flow lender is common, and it is rarely a verdict on your business. It usually means your statements did not prove the repayments with enough of a buffer, because of uneven deposits, existing loans, a serviceability ceiling or a credit mark. Applying to several more cash flow lenders tends to add enquiries to your file without changing the formula. If you own property, a different route is available. Our page on being rejected by a cash flow lender explains the reasons in plain language.
A worked example
A trade supplies company has a $26,000 invoice outstanding for sixty days. In the meantime, a supplier wants $14,000 before releasing a pallet of stock, and the payroll of $9,500 falls due on Friday. The director owns a home worth about $720,000 with $330,000 owing. A secured loan of $30,000 covers the stock and the pay run, with up to three months of prepaid interest so repayment starts only after the invoice is paid. The figures are illustrative and are not an offer.
How to keep it quick
- Have the property address and a rough idea of what is owing.
- Know your company name and ABN.
- Be clear about what the money is for and when it will be repaid.
- Answer the phone: the call back is where the speed comes from.
Repayments
Prepaying interest for up to three months gives breathing space before weekly repayments arrive. Most borrowers repay from cash flow as invoices clear, and some refinance into a cheaper product afterwards. See prepaid interest and weekly repayments and compare the total cost before you sign.
Costs and risks to weigh
Urgent money often costs more than patient money, and a loan secured on property carries a real risk if repayments are missed. Borrow only what you need, check the total cost and make sure the repayment plan survives a slow month. A short loan solves a timing problem. It does not fix a business that is losing money, so look at the cause as well as the gap.
Apply
Use the application form for the 60-second enquiry: your amount, an estimate of the property’s value and what is owing, your state, your monthly cash flow and your business name. A person will call you back.
Frequently asked questions
What counts as urgent business funding?
Anything with a deadline that cash flow cannot meet: a supplier who has stopped deliveries, a payroll run, a tax bill, a settlement or a stock order that will not wait.
Is this an easy business loan?
It is a simple one. You tell us the amount, the property and what is owing, and we skip the bank statements and tax returns. Lending is still subject to assessment.
I have been rejected by other lenders. Can I still apply?
Yes. A decline from a cash flow lender usually reflects a formula on your statements. A property-secured loan is assessed on the equity and how you will repay, so the answer can be different.
How quickly can the money arrive?
In as little as 24 hours once approved. Timing depends on the title and how quickly the documents come back, and we will tell you honestly where it stands.
Will asking about a loan affect my credit score?
No credit check is made when you first enquire. A check only happens if you decide to go ahead with a formal application.