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Short Term Business Loans Australia – Fast Private Funding from $50K

Need working capital fast? At Innovate Funding, we provide short term business loans from $50K to $20M, secured by real estate and designed for speed, flexibility, and minimal documentation. Whether you're bridging cash flow gaps, covering urgent expenses, or seizing a time-sensitive opportunity, our private lending solutions deliver capital fast often within one week.

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What Is a Short Term Business Loan?

A short term business loan is a fast-access, property-secured loan typically structured for 3 to 12 months. Unlike traditional bank loans, approval is based on asset value and exit strategy, not financials or credit score. Our short term loans are only available to companies, trusts, and self-employed borrowers for business or investment purposes.

Key Features of Our Short Term Loans

  • Funding from $50K–$20M: Suited to businesses of all sizes and property-backed scenarios

  • Fast Settlement within a week: Ideal for urgent needs like ATO debt, stock purchases, or refinance

  • Low-Doc or No-Doc Approval: No tax returns or BAS required — just security and a clear exit

  • Flexible Loan Terms: 3, 6, 9 or 12-month options with interest-only or capitalised interest both with early repayment flexibility

  • First or Second Mortgages: Use residential, commercial, or land as security

  • Australia-Wide Lending: Metro, regional and rural loans accepted​

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When to Use a Short Term Business Loan

Short term loans can be used for a wide variety of business and investment needs, such as:

  • Cash Flow Management – Smooth seasonal or cyclical dips in income

  • ATO Tax Debt – Settle liabilities quickly without impacting operations

  • Business Expansion – Fund staff, stock or equipment while waiting on revenue

  • Bridging Finance – Secure a new property while selling an existing asset

  • Refinance – Roll over an expiring facility or repay another lender

  • Equity Release – Unlock cash tied up in property without selling

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Accepted Security Types

Our short term business loans are secured against a wide range of property assets:

  • Residential (owner-occupied or investment)

  • Commercial (office, retail, industrial)

  • Vacant land or development sites

  • Specialised or rural assets (case-by-case)

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Sample Loan Scenarios

  • $450K Bridging Loan – VIC: Client secured a new commercial property while waiting for their existing warehouse to sell. Funds settled in 72 hours.

  • $1.2M Refinance – NSW: Business with an expired caveat loan refinanced into a short-term facility with 6-month interest-only term.

  • $800K Working Capital – QLD: Wholesaler funded a large inventory purchase to fulfil a national contract. Repaid in full within 5 months.

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How It Works

  1. Initial Call or Enquiry: We assess your scenario, security, and loan purpose

  2. Indicative Terms Issued: Fast, no-obligation quote based on your property and exit plan

  3. Valuation Ordered: LVR and equity confirmed

  4. Loan Documents & Settlement: Minimal paperwork. Funds disbursed within days​

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Why Choose Innovate Funding?

At Innovate Funding, we specialise in non-bank lending for businesses and investors across Australia. We focus on your assets, not your income, making it faster and easier to access capital when you need it most. With hundreds of brokers and advisers trusting our solutions, you're in safe hands.

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Apply for a Short Term Business Loan

Get a fast, tailored private loan today with no red tape.

Call 02 8919 3639 or enquire online to get started today.

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