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Short Term Business Loans Australia

  • Innovate Funding
  • 23 hours ago
  • 4 min read

When timing matters more than long-term finance, short term business loans can be the difference between seizing an opportunity and missing it altogether. Whether you are managing cash flow, settling a property transaction, or refinancing an existing facility, short term funding is designed for speed, flexibility, and certainty.


At Innovate Funding, we specialise in arranging short term business loans across Australia, working with private lenders and non-bank funders to deliver fast approvals and tailored funding solutions when traditional banks are too slow or restrictive.


Short term funding for Innovate Funding

What Are Short Term Business Loans?

Short term business loans are funding facilities typically structured over 3 to 12 months, designed to address immediate or time-sensitive business funding needs rather than long-term finance.

These loans are commonly used by:

  • Business owners managing short-term cash flow gaps

  • Property investors awaiting a refinance or sale

  • Developers bridging between settlement, construction, or refinance

  • SMEs funding tax obligations, stock purchases, or urgent expenses

Many borrowers who use short term business loans also qualify for no doc business loans where lending decisions are driven by asset value and exit strategy rather than full financial documentation.


How Short Term Business Loans Work

Short term business loans are assessed primarily on:

  • The value of the underlying asset (often property)

  • The strength and clarity of the exit strategy

  • Loan-to-value ratio (LVR)

  • Required loan term and timeframe

Most short term business loans are structured as:

  • Interest-only facilities

  • Monthly interest or capitalised interest

  • Flexible repayment terms

  • Exit-based lending rather than long-term amortisation

This approach closely aligns with no doc business loans, making short term business loans ideal for borrowers with limited or outdated financials.


Common Uses for Short Term Business Loans

Short term business loans are commonly used for the following scenarios:

Cash Flow Support

Bridging temporary cash flow shortfalls caused by delayed receivables, seasonal fluctuations, or rapid business growth.


Property & Development Funding

Funding settlement gaps, construction delays, or refinance timing issues, often structured as short term business loans secured against property assets.


Tax & ATO Obligations

Paying BAS, GST, payroll tax, or income tax liabilities where speed is critical and bank approvals are impractical.


Business & Asset Acquisitions

Securing a business or commercial asset quickly while longer-term finance is being arranged.


Refinancing Existing Debt

Exiting distressed or high-cost facilities using a short-term solution, commonly paired with no doc business loans when financial statements are unavailable.


Short Term Business Loans vs Traditional Bank Loans

Feature

Short Term Business Loans

Bank Business Loans

Approval timeframe

Days

Weeks to months

Documentation

Minimal

Full financials

Credit assessment

Flexible

Strict

Lending focus

Asset & exit

Income & serviceability

Flexibility

High

Limited

Suitable for urgent funding

Yes

No

For many Australian businesses, banks are simply not structured to handle urgent or complex funding scenarios.


Example: Short Term Business Loan in Action

A Sydney-based business owner required $850,000 within 10 days to settle a commercial property refinance. Their existing lender delayed approval, placing the settlement at risk.


Innovate Funding arranged a short term business loan secured against the property, structured over a 12-month term with interest capitalised. Due to limited financial documentation, the deal was assessed similarly to a no doc business loan,with the focus placed on asset value and a clear refinance exit.

This solution allowed the client to:

  • Complete settlement on time

  • Avoid default penalties

  • Refinance into a longer-term facility once updated valuations were obtained


Why Short Term Business Loans Exist

Short term business loans exist because traditional lenders are not built for time-critical funding. Banks prioritise low risk and rigid compliance, while private and non-bank lenders focus on:

  • Asset security

  • Clear exit strategies

  • Speed of execution

This is why short term business loans and no doc business loans continue to grow in popularity across Australia.


Short Term Business Loans and Secured Lending

Most short term business loans are structured as secured business loans, using residential, commercial, or development property as collateral. This allows lenders to offer faster approvals and more flexible terms compared to unsecured lending options.


Why Choose Innovate Funding?

Innovate Funding specialises in:

Our approach is simple: we structure funding around what needs to happen next, not outdated financial metrics.


Apply for Short Term Business Loans

If you require fast, flexible funding without bank delays, short term business loans may be the right solution.

If financials are limited or unavailable, you may also qualify for no doc business loans as an alternative funding pathway.

To discuss your options, speak with a funding specialist at Innovate Funding today.


Our Expertise in Short Term Business Loans

Innovate Funding has extensive experience structuring short term business loans Australia-wide for business owners, investors, and developers facing time-sensitive funding requirements.

Our expertise includes:

All funding solutions are assessed on commercial merit, asset security, and exit strategy.


FAQs: Short Term Business Loans

What is a short term business loan?

A short term business loan is a funding facility typically structured for 3 to 12 months, designed to address immediate or time-critical business funding needs.


How fast can short term business loans be approved?

Short term business loans can often be approved within days, depending on security, valuation requirements, and exit strategy.


Do short term business loans require financial statements?

Not always. Many short term business loans are assessed similarly to no doc business loans, where lending decisions are based on asset value and exit strategy rather than full financials.


Are short term business loans regulated like bank loans?

Short term business loans for business purposes are typically NCCP-exempt and assessed under commercial lending criteria.


What can short term business loans be used for?

They are commonly used for cash flow support, property transactions, tax obligations, business acquisitions, and refinancing existing debt.

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