Short-Term Business Loans
Quick funding for immediate business needs. Our short-term loans provide fast access to capital with flexible repayment terms from 3 to 24 months.
Key Features
Fast Funding
Funds available within days
Flexible Terms
Loan periods from 3 to 24 months
Simple Process
Streamlined application and approval
Clear Exit
Structured for short-term needs with defined endpoints
Short-Term Business Loans Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Invoice Finance Fuels Growth
The Scenario
A labour hire company was winning large contracts but struggling to fund payroll while waiting 60 days for client payments.
The Challenge
The business was turning away new contracts because they could not fund the payroll gap. Traditional banks required property security.
The Solution
Invoice factoring was arranged providing 85% of invoice value within 24 hours. The facility grew automatically as the business grew.
The Outcome
The business doubled revenue within 12 months by accepting contracts previously beyond their cash flow capacity.
85%
Advance Rate
2x
Revenue Growth
24 hours
Funding Speed
Retail Store Expansion
The Scenario
A successful boutique retailer wanted to open a second location but needed $80,000 for fit-out and initial inventory.
The Challenge
The business was only 18 months old with limited assets for traditional secured lending. Speed was essential to secure the lease.
The Solution
A merchant cash advance was arranged based on strong card transaction volumes, with repayments automatically adjusted to daily sales.
The Outcome
The second store opened within 6 weeks and exceeded profit targets. Repayments flexed naturally with sales performance.
$80K
Advance
48 hours
Approval
Revenue-based
Repayment
Contractor Manages Project Cash Flow
The Scenario
An electrical contractor needed flexible access to working capital to manage cash flow across multiple commercial projects.
The Challenge
Payment terms on commercial projects varied from 30 to 90 days. The business needed to pay suppliers and subcontractors before receiving payment.
The Solution
A $200,000 business line of credit was established allowing the contractor to draw funds as needed and repay when project payments arrived.
The Outcome
The contractor now manages cash flow confidently, taking on larger projects and paying suppliers early to negotiate better rates.
$200K
Facility
On-demand
Access
Use-only
Interest
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationCapital When Timing Matters
Sometimes business opportunities or challenges require immediate action. Short-term loans provide quick access to capital when you need to move fast.
Whether you are covering a cash flow gap, funding a specific project, taking advantage of a supplier discount, or bridging to longer-term finance, short-term loans offer a flexible solution.
Designed for Defined Purposes
Short-term business loans work best when you have a clear purpose and repayment strategy. They are not meant to be permanent financing but rather a bridge to meet specific, time-bound needs.
We help you structure the right term and repayment schedule to match your expected cash flows and ensure the loan serves its purpose without creating ongoing strain.
Discuss Your Short-Term Business Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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