Private business loans for Australian business owners

What this funding is designed to do

A business loan from Equity Tap is short-term finance secured against Australian real estate and used wholly or predominantly for a business purpose. It can support stock, equipment, payroll, acquisition, marketing, renovation, tax debt, urgent settlement or a temporary cash-flow gap.

Equity Tap is useful when the business has a clear use for funds and a clear exit, but timing or complexity does not suit a bank.

When this structure may fit

• Your business has a genuine, clearly explained use for the funds.
• There is sufficient available equity in acceptable Australian real estate.
• The need is time sensitive or falls outside a conventional bank policy.
• You have a credible exit strategy for repaying the short term facility.
• The costs and risks are understood before you proceed.

Why business owners come to Equity Tap

Banks are built for standard scenarios and longer processes. Equity Tap is built for direct specialist assessment. We listen once, look at the whole position and explain whether a workable structure exists. That matters when a settlement, creditor, opportunity or refinance cannot wait.

Equity Tap has lent its own money since 2022. Facilities range from $50,000 to $5 million, with terms from one to twelve months. Eligible transactions may settle in as little as 24 hours and may allow interest for up to six months to be prepaid as part of the facility.

What we need to understand

Start with the amount required, the business purpose, the deadline, the security property, any existing mortgage and the expected repayment event. Supporting information can include identification, rates notices, mortgage statements, contracts, trust documents and evidence supporting the exit.

Start with the funding decision, not a loan label

Tell us what the business needs to achieve, how much is required and the date that matters. A sole trader buying equipment, a retailer covering a stock order and a company completing an acquisition may all need business finance, but the right structure depends on their property security and repayment plan. A direct discussion helps establish whether a first mortgage, second mortgage or short term bridge is worth considering.

Before comparing offers, ask for the net amount available after fees and any prepaid interest, the total amount to repay, and what happens if the expected exit is delayed. Our document checklist and equity calculator can help you prepare for that conversation.

Frequently asked questions