Emergency funding desk
Business emergency? Triage first. Then fund fast.
ATO garnishee on your account, payroll due tomorrow, a machine down or a settlement about to fall over — tell us what happened and a real person maps the fastest realistic way to fund it.
- No credit check to enquire
- 60-second enquiry
- One specialist, not 20 lenders
No credit check to enquire
Telling us about the emergency leaves your credit file untouched. A credit check only comes up once you choose to proceed.
No spray-and-pray
We don't fire your details at dozens of lenders and hope. One specialist works out the right route and takes it.
A real person on it, fast
A human reads your triage answers and rings you back. Answer the form accurately and the first option is the right one.
30-second triage
Which route is realistic for you?
Two answers tell you most of what matters in an emergency: how long you have and whether there is property to secure against. Try it, then run the full triage tool for a first-hour action plan and document list.
Triage by situation
Find your emergency
Each page tells you what to do in the first hour, who to ring and how the funding usually works for that exact problem.
ATO garnishee notice
An ATO garnishee notice can freeze money in your account or redirect customer payments. The first-hour steps, and how fast funding can clear the debt.
Open triage page →Director penalty notice
A director penalty notice makes company tax debts personal. What the 21 days mean, the options that remove the penalty, and how fast funding fits in.
Open triage page →Urgent ATO debt
Reminder letters, phone calls, a warning of firmer action — when ATO debt starts to escalate, here's how to triage it and fund a fix before it gets worse.
Open triage page →Can't make payroll
Payroll due tomorrow and not enough in the bank? What to do tonight, your obligations to staff, and how fast emergency payroll funding can realistically land.
Open triage page →Payday Super shortfall
Since 1 July 2026, super must reach funds within 7 business days of payday. What a shortfall means, the first steps, and fast ways to fund the gap.
Open triage page →Equipment breakdown
A broken machine, oven, compressor or plant item can stop all work. How to triage a breakdown, count the real cost, and fund the repair or replacement fast.
Open triage page →Vehicle off the road
A blown engine, gearbox or crash can take your only work vehicle off the road. How to triage it, keep jobs moving and fund the repair or replacement quickly.
Open triage page →Flood, fire or storm
After a flood, bushfire or storm, insurance and grants take time. What to do first, where to find official help, and fast funding to bridge the gap and reopen.
Open triage page →Supplier on stop
When a key supplier stops your account, jobs and orders stall. How to negotiate supply back, what to pay first, and fast funding to clear the arrears.
Open triage page →Triage by clock
How much time do you have?
Start from the deadline. The shorter the clock, the more the route depends on property security and clean paperwork.
- Money needed todayNeed business funds before close of business today? What can realistically land, the order to do things in, and what to say if today isn't possible.
- Within 24 hoursNeed business funding within 24 hours? Which loans can settle by tomorrow, what to prepare tonight and how to protect the deadline if it slips.
- Within 48 hoursWith 48 hours, property-secured business loans up to $5m become possible. What fits the window, how to use day one and day two, and what slows larger loans.
- This weekThree to seven days before a business deadline lets you compare routes, negotiate and avoid rushed choices. How to plan the week and fund calmly.
- By FridayFriday deadlines are harder than they look — weekend cut-offs, payroll runs, settlement windows. How to have business funding in place before Friday.
- End of monthRent, supplier accounts, loan repayments, BAS and super can all land at month-end. How to triage the end-of-month crunch and fund it without panic.
- 21-day noticesStatutory demands, director penalty notices and bankruptcy notices run on 21-day clocks. A day-by-day plan to get advice, negotiate and fund.
- BAS due dateCan't pay your BAS by the due date? Lodge on time anyway, talk to the ATO and consider funding, so a BAS shortfall doesn't become an ATO emergency.
Funding routes
Fast loan types, explained by the job they do
Property-secured options (first and second mortgages, caveat loans) for larger or faster amounts. Unsecured, cash flow and line-of-credit options for trading businesses without property, typically $5,000 to $500,000. Past credit issues and ATO debt considered case by case.
Same-day business loan
Same-day business loans explained honestly: which amounts and loan types can fund today, what speeds them up and what slows them down.
How it works →Fast second mortgage
A fast second mortgage lets you borrow against equity behind your home loan without refinancing it. How it works and how fast it can settle.
How it works →Urgent caveat loan
Urgent caveat loans can fund $20k to $250k the same day against property equity. How caveat loans work, when they suit an emergency and how to exit one.
How it works →Fast first mortgage
A fast non-bank first mortgage can refinance existing property debt and release cash for a business emergency, with up to $5m possible within 24–48 hours.
How it works →Unsecured emergency loan
No property? Unsecured emergency business loans of $5,000 to $500,000 are sized on turnover and bank statements. Who qualifies and how fast.
How it works →Emergency cash-flow loan
Emergency cash-flow loans cover the gap between bills due now and money coming in. How they are sized, when they fit and how to avoid the trap.
How it works →Emergency line of credit
A business line of credit gives you a limit to draw when emergencies hit and repay as cash comes in. How it works, how it's sized and why to set it up early.
How it works →Urgent bridging loan
An urgent bridging loan funds a business need now and is repaid when a sale, refinance, insurance payout or contract payment arrives.
How it works →Our protocol
Calm process, fast clock
- 01
Triage
Sixty seconds on the form: what happened, the amount, the deadline, property and how long you've been trading. Accurate answers matter more than speed here.
- 02
Call back
A specialist reads it and calls you. We confirm the real deadline, the real number, and whether buying a few days from the creditor helps.
- 03
Route
One route, chosen for speed and fit — secured same-day where property allows, unsecured where it doesn't. We tell you plainly if it isn't realistic.
- 04
Fund
Documents in, approval, settlement. Funds can go to your account or straight to the ATO, the supplier or whoever needs paying.
Straight answers
Panic myths vs what actually happens
"If I apply everywhere at once, one will say yes."
Shotgun applications leave a trail of credit enquiries that can make the next lender more cautious. One well-matched application beats ten rushed ones.
"Bad credit means no emergency loan."
Property-secured lenders look mainly at the security and the exit. Past defaults and ATO debt are considered case by case.
"A garnishee or statutory demand means it's over."
Both come with steps you can take. Calling the ATO or the creditor early, then funding a payment or a plan, often resolves it.
"Same day is guaranteed if I pay more."
Speed comes from clean security, quick documents and a clear exit — not a premium. Same day is possible, never promised.
Emergency guides
Read this while you wait for the call
Emergency business loan questions
What is an emergency business loan?
It is ordinary business finance arranged on an urgent timeline to deal with a specific problem — a tax garnishee, wages due, a broken machine, disaster damage or a settlement at risk. The loan type depends on what you have: property-secured options (first mortgage, second mortgage or caveat) move fastest for larger amounts, while unsecured and cash-flow options suit trading businesses without property.
How fast can emergency business funding actually happen?
For property-secured loans, $20k to $250k is possible the same day, and up to $5m is possible within 24–48 hours, depending on the security, the paperwork and how fast documents come back. Same-day funding is also possible for smaller unsecured amounts. Nothing is guaranteed, which is why we tell you on the first call what is realistic.
Does enquiring affect my credit score?
No. There is no credit check when you first enquire. We look at your situation, tell you the realistic route, and only talk about a credit check if you decide to go ahead.
Will my details be sent to lots of lenders?
No. We don't spray enquiries around the market. One specialist reads your answers, works out the right route and takes it — so you don't end up with a stack of credit enquiries and phone calls in the middle of a crisis.
Can I get an emergency loan with bad credit or an ATO debt?
Often, yes. Past credit problems and ATO debt are considered case by case. Property security makes bad-credit approvals much more likely; without property, recent bank statements and steady turnover do most of the work.
How much can I borrow in an emergency?
Property-secured business loans run from $20,000 to $5,000,000 against residential or commercial property. Unsecured, cash-flow and line-of-credit options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
What should I do in the first hour?
Work out the exact amount and the exact deadline, call the creditor or agency to confirm both, gather your last few months of bank statements and ID, and start the enquiry. Our free triage tool builds a first-hour checklist for your situation.
Is this only for disasters?
No. Most business emergencies are financial, not physical: a tax enforcement notice, a customer who didn't pay, a bank that cut a facility, a deposit due on a deal. We fund business purposes only, for any urgent situation where fast money solves the problem.
Tell us what happened. We'll take it from there.
A short enquiry, no credit check at the start, and one specialist who calls you back with the fastest route that actually fits.
No credit check to enquire
No spray-and-pray
A real person on it, fast