Start with what is happening
Business Funding for Real Situations
A BAS bill, a slow-paying client, a contract too big for current cash, a broken machine, a partner exit. Start with your situation and see which funding fits.
Most owners do not search for a product name. They search for the problem in front of them: the tax bill that landed at the wrong time, the customer who is 60 days late, the job that needs materials paid for before the first progress claim. The right funding depends on that situation, how long it will last and how the money gets repaid.
Each page here starts with a common business situation, explains the options (including the ones that are not a loan, such as a payment plan or a conversation with a supplier), and shows when funding on call makes sense.
If your situation is urgent, the quickest step is a 60-second enquiry. There is no credit check to enquire, and a real person reads it.
Already know what you need? Send a 60-second enquiry and a real person will call you back. No credit check to enquire.
Bills and cash flow pressure
Wages, tax, creditors and gaps in the calendar.
Wages and super
Short of cash for wages or super? Options for covering payroll, payday super from 1 July 2026, and when a line of credit or short loan makes sense.
Read moreBAS bill due
Can't pay your BAS on time? Lodge anyway, then weigh a payment plan, a short loan or a line of credit, and learn how to avoid the next squeeze.
Read moreSeasonal cash gap
Seasonal cash gaps hit tourism, retail, farming, trades and hospitality. How to forecast the dip, size a line of credit and avoid the usual traps.
Read moreSlow-paying customers
When customers pay slowly, cash dries up even in a profitable business. How invoice finance, lines of credit and better terms can bridge the wait.
Read moreRefinancing debt
Refinance expensive business debt, including stacked daily-repayment loans, into one structured loan with lower weekly repayments and a clear end date.
Read moreDebt consolidation
Consolidating business debts combines supplier arrears, tax debts, credit cards and loans into one structured repayment. When it helps and when it does not.
Read moreDeclined by the bank
Business loan declined by your bank? Common reasons, how to find out why, and how non-bank lenders assess the same application differently.
Read moreATO debt notices
Received an ATO debt notice, garnishee or director penalty notice? What to do first, how payment plans and funding compare, and why timing matters.
Read moreDisaster recovery
Recovering from a flood, bushfire, cyclone or storm? How grants, insurance and business funding fit together to get trading again quickly.
Read moreGrowth and opportunity
Stock, contracts, staff, premises and acquisitions.
Peak season stock
Buying stock before your busy season? How to size a stock order, choose between a line of credit and a short loan, and protect yourself if sales disappoint.
Read moreSupplier discounts
Is it worth borrowing to take a supplier's early payment or bulk discount? How to compare the discount with the funding cost in dollars before you commit.
Read moreBigger contracts
Won a bigger contract but need cash for staff, materials and equipment before the first payment? How to fund the ramp-up without overstretching.
Read moreBroken equipment
Key machine or vehicle broken down? How to fund a repair or replacement quickly with equipment finance, unsecured funding or a line of credit.
Read moreFit-outs and renovations
Funding a shop fit-out, kitchen upgrade or premises renovation. How to budget, which loan types suit and how to keep cash for the opening months.
Read moreBuying a business
How to fund the purchase of a business: what lenders look at, how property security helps, due diligence basics and keeping working capital after settlement.
Read morePartner buyouts
Buying out a business partner or co-director? How to fund it, value the share, protect cash flow and structure the deal well.
Read moreSettlement deadlines
Facing a business property settlement deadline with funds not ready? How bridging finance and caveat loans can settle on time, and how to plan the exit.
Read moreHiring for growth
Need to hire before new revenue arrives? How to fund wages, super and onboarding for new staff, and how to stage hiring so growth does not drain cash.
Read moreSecond locations
Opening a second shop, clinic or site? Budget the fit-out, stock and months before it pays its way, and choose funding that fits.
Read moreUpfront materials
Need to buy materials before a job pays? How trades and builders fund upfront materials with a line of credit, short loan or supplier terms without stalling.
Read moreCalculators for this topic
Funding Matcher
Six quick taps about your business and what the money is for. See which kind of funding fits and why.
Open itWorking Capital Calculator
Debtor days, stock days and supplier days in, cash tied up in the cycle out. Find the gap a facility should cover.
Open itCash Runway Calculator
Cash on hand, money in and money out each month. See how many weeks of runway you have and when it runs out.
Open itYour credit file stays untouched
Enquiring costs nothing and runs no credit check. A check only happens later, if you choose to go ahead with an offer.
One team, not a lead auction
Your details are not fired off to a list of lenders. The people who read your enquiry are the people who work on it.
A person who picks up
A real person reviews what you send and calls you back. Accurate answers on the form mean the first match is the right one.
Ask right here, it takes a minute
The same 60-second enquiry, on this page. No credit check to enquire, and the person who reads it is the person who calls you.
Put your business funding on call.
One 60-second enquiry. No credit check to enquire, no spraying your details around, and a real person who actually calls you back.
- $5k to $500kunsecured and lines of credit
- $20k to $5mproperty-secured, no valuation
- 60 secto enquire, no credit check