What this funding is designed to do
An urgent business loan can bridge a time-sensitive payment, settlement or opportunity when a bank cannot make the required date. Equity Tap assesses genuine business purpose funding secured by acceptable Australian real estate. The property, existing debt and exit determine whether a fast, responsible structure is possible.
Call out the exact deadline, amount and recipient. Have mortgage and property details ready so we can tell you whether a first mortgage, second mortgage or another suitable structure may fit.
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 approachFirst, define the deadline
“Urgent” can mean a supplier needs a deposit today, a business purchase settles this week, or a bank refinance has slipped past a critical date. Write down the exact amount that must arrive, the recipient and the latest time cleared funds are needed. Then separate that immediate requirement from any extra working capital you would like to have. That gives us a realistic starting point for a fast business loan assessment.
What to have ready for an urgent assessment
- The business use: the invoice, contract, settlement statement or other evidence showing where the funds will go.
- The property: address, ownership, approximate value, current mortgage statements and any other registered debt.
- The timing: the actual deadline, not just a preference for speed.
- The exit: the sale, refinance, incoming business payment or other credible event that will repay the facility.
- A fallback: what happens if that event is delayed.
Our business loan document checklist helps you gather the detail. If cash pressure is broader than a single deadline, prepare a short cash flow forecast too. The Australian Government cash flow guidance is a useful starting point.
Choosing a security structure without losing time
Equity Tap lends against acceptable Australian real estate for genuine business purposes. A first mortgage, second mortgage or another suitable property security structure may be considered. The quickest appropriate path depends on title, existing lender rights, property location and legal checks. A caveat is not automatically faster or suitable simply because a deadline is close. See our caveat loan explanation before assuming a structure.
How fast can the funds arrive?
An eligible, straightforward Equity Tap transaction may settle in as little as 24 hours, but this is not a promise. Approval, documents, property and legal checks all matter. A direct lender conversation can expose a missing consent or title issue early. Call 1300 123 024 if you have a hard deadline and tell us the time and amount first.
Check the full cost and property risk
Compare the net cash your business receives after fees and any prepaid interest, the total amount repayable, the term and what happens if your planned exit slips. Up to six months without scheduled payments may be available on eligible facilities because interest is prepaid into the loan; it is not waived. Property is at risk if the loan cannot be repaid. The Australian Government recommends comparing loan terms, charges and security requirements across lenders. See business.gov.au’s business loan guide.
Equity Tap has lent its own money since 2022 and considers business-purpose facilities from $50,000 to $5 million over one to twelve months. We can assess sole traders with an ABN, startups and established companies where there is acceptable security and a credible exit. We do not provide consumer loans.