What this funding is designed to do
Unsecured lenders may focus on revenue, trading history and frequent repayment capacity. Equity Tap considers an alternative: short term business lending secured by acceptable Australian real estate, with a genuine business use and a credible exit.
A decline elsewhere does not guarantee approval here. Tell us the reason, your deadline and which property is available.
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.
“We fund people the banks cannot help, or can help, but not quickly enough.”
Equity Tap lending approachWhy an unsecured decline is not the whole story
An unsecured cash flow lender generally needs trading receipts to support regular repayments. A short history, uneven revenue, tax arrears or a poor score may stop that process. Property secured finance asks different questions: how much usable equity remains after existing mortgages, what the business needs the money for, and what event will repay a one to twelve month facility?
That difference may create an option if you have acceptable Australian real estate and an evidenced sale, refinance or incoming receipt. It is not a way to bypass legal checks or rescue an unviable business.
Your five-step plan after a decline
- Get the reason: was the issue revenue, bank conduct, credit history, business age or another debt?
- Calculate usable equity: bring the property address, owner, estimated value and mortgage statements. Headline equity is not automatically cash available to borrow.
- Define the deadline: state the net amount needed, recipient and last date cleared funds must arrive.
- Evidence the exit: provide a signed sale contract, progressed refinance or documented business receipt where possible.
- Compare full costs: ask for net proceeds, all fees, total repayment and the effect of a delayed exit.
What about daily or weekly cash flow repayments?
An eligible Equity Tap facility may have no scheduled payments for up to six months because interest is prepaid or capitalised. Interest is not waived and the structure affects the total cost and cash advanced. Compare actual offers, not generic headline rates, and remember that secured borrowing puts the property at risk. Read our cash flow loan comparison and bad credit business loan guide.
Eligible straightforward cases may settle in as little as 24 hours once approved and legal work is complete. Timing and approval are never guaranteed.