How Our Emergency Business Loans Work

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1. Triage — about 60 seconds
Tell us the emergency, the amount, the deadline, whether there's property, and how long you've traded. No credit check when you first enquire.
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2. Call-back from a real person
A specialist reads your answers and rings you. We confirm the true figure and the true deadline — often they're different from the first number on the notice.
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3. Stabilise
If the clock is tighter than any funding route, we help you plan the call to the ATO, creditor or other party to buy a few days.
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4. One route, chosen for speed and fit
Property-secured (caveat, second or first mortgage) where security allows; unsecured, cash-flow or line of credit where it doesn't. One application, not a dozen.
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5. Documents and approval
We tell you exactly what's needed — usually ID, bank statements, the notice or contract, and property details if relevant.
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6. Funding
Funds go to your account or directly to whoever needs paying: the ATO, a supplier, a repairer or the other side of a settlement.

How fast is fast?

Speed depends on what's behind the loan. For property-secured lending, $20k to $250k possible same day (property-secured) and up to $5m possible within 24–48 hours. For businesses without property, same-day funding possible for smaller unsecured amounts. These are possibilities, not guarantees — title searches, signatures, document turnaround and bank cut-off times all play a part. We tell you which is realistic for you on the first call.

What helps us move quickly

The exact amount and deadline, confirmed with the other party.
Photo ID for each director and your ABN or ACN.
Three to six months of business bank statements.
The notice, invoice, quote or contract behind the emergency.
Property address and current loan statement if you're offering security.

Not sure where to start? Run the emergency triage tool, or go straight to the 60-second enquiry.

Common questions

How quickly will someone call me?

Emergency enquiries are read as they arrive during business hours and called back as fast as we can. If your deadline is today, say so on the form and call us as well.

Does enquiring affect my credit score?

No. There's no credit check when you first enquire. A credit check is only discussed once you decide to go ahead with a specific option.

Will my details be sent to lots of lenders?

No. We don't spray enquiries. One specialist works your file and approaches the lender that fits.

What makes funding faster?

Property security, accurate answers and documents ready to send. A clear exit — how the loan will be repaid — also helps a lender move quickly.

What if you can't help?

We'll tell you on the first call, and where we can we'll point you to the next sensible step, such as talking to the ATO about a payment plan or getting advice from your accountant.

How our emergency loans work