See If You Qualify Private credit and business finance options
Apply once and we will help match you with private first or second mortgage funding, a tax debt loan, or an unsecured business loan based on your situation.
Subject to eligibility, lender approval, security, documentation and terms.
Apply once
Tell us what you need and we will help point you toward tax debt, private mortgage or unsecured business loan options based on your situation.
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Choose your funding path
Compare property-secured private funding, tax debt loans, bad credit options and unsecured business lending, then apply once.
Fast private funding using property security.
Fast business loans based on trading and cash flow.
Clear an ATO debt with one structured loan.
Security-led funding that looks past the score.
Which product fits me?
For urgent business needs where property security can support a short-term private lending solution.
Private mortgage fundingUse the equity in a property that already has a mortgage, without refinancing the bank loan.
Fast second mortgagesReplace an ATO debt with funding you can plan around, whether or not property is available.
Payment plan or loan?For established businesses that can show revenue, trading history and bank statements.
Secured or unsecured?Fast business loans Australia
Fast Business Loan Co helps Australian business owners compare fast business loans, tax debt loans, private mortgage finance and unsecured business loan options in one place.
For urgent working capital, ATO debt, payroll, stock, equipment, bridging finance, refinance or short-term business cash-flow needs.
Fast business fundingProperty-secured funding using first or second mortgage security, with funding possible within 24 hours in some approved scenarios.
Private mortgage fundingNo property security required, with assessment generally based on trading history, revenue, cash-flow records or bank statements.
Unsecured business loansFast business loans explained
Most business owners who search for fast funding already know what they need and when. What they do not know is which path will get them there: property-secured private funding, an unsecured business loan, or something in between. Here is how each one works, in plain language.
A fast business loan is short-term funding arranged around speed. Fast Business Loan Co is a matching service: you complete one application and we help match you with the path that suits your situation, instead of sending you from lender to lender. If you can offer property as security, private first and second mortgage funding can move quickly, and in some approved scenarios funding can be possible within 24 hours. If you cannot, unsecured options are assessed on trading history, revenue and bank statements. The quickest files are the ones where the purpose, the security and the exit are clear from the start.
Read the fast business loans guideA tax debt loan clears an ATO debt with funding from a lender, so a growing balance becomes one structured facility. Since 1 July 2025, general interest charge on ATO debts is no longer tax deductible, which makes a long-running debt more expensive than it looks. The funds are paid to the ATO, usually against property security when the debt is large or time is short, or on an unsecured basis when the business has strong bank statements. An ATO payment plan is the alternative, and the right choice depends on the size of the debt, the timing and what the ATO has already said.
Read about tax debt loansA second mortgage is a loan secured by a property that already has a bank mortgage on it. It sits behind the first mortgage, so you can use the equity you have built without refinancing the bank loan or disturbing its terms. Property-secured funding commonly runs from $20,000 to $5m against residential or commercial property. Interest can often be prepaid or added to the loan, which keeps repayments off your cash flow while you wait for the exit, whether that is a sale, a settlement or a refinance. A caveat loan can later be converted to a registered second mortgage.
Read about second mortgagesBad credit does not automatically close the door. With suitable property security, defaults, past ATO debt and bank declines can be considered, because the security and the exit carry more weight than the credit file. Without property, an unsecured lender looks at trading history, turnover and recent bank statements, so a business with solid cash flow and a patchy credit history can still have options. Be upfront about the history in your application: surprises found later are what slow a file down.
Read about bad credit loansCompare loan options
How it works
Complete the quick application and tell us what type of funding you need, and what you can offer as security.
We assess your situation and help match you with suitable private mortgage, tax debt or unsecured loan options.
Accept your preferred offer and move quickly toward settlement or funding.
Why Fast Business Loan Co
Designed for urgent business funding conversations where timing matters.
Private and unsecured pathways can be explored when mainstream lending is too slow or too rigid.
Compare property-secured private mortgage funding, tax debt loans and unsecured business loan options.
Credit issues may still be assessed, especially where suitable property security is available.
Apply once and give the team the information needed to guide the next step.
Funding conversations shaped around cash flow, timing, purpose and practical next moves.
Popular pages
Plain-English guides on tax debt, second mortgages, bad credit and fast funding.
Tax debt loans for Australian businesses: three ways to clear an ATO debt, who each suits, how fast funding can move and what to do before the ATO escalates.
Tax debt Loans for tax debtLoans for tax debt explained: how a business loan is set up to clear an ATO balance, security versus unsecured, how fast it can move and what lenders check.
Tax debt Payment plan vs loanATO payment plan vs business loan: when a plan wins, when a loan wins, how GIC compounds and why it is no longer deductible, with a comparison table.
Second mortgages Second mortgagesSecond mortgage business loans let you borrow against property equity while the bank loan stays put. $20,000 to $5m, one quick application.
Second mortgages Fast second mortgagesA fast second mortgage can be assessed the same day and, in the right scenario, funded within 24 hours. See the timeline and what speeds it up.
Second mortgages Caveat loansCaveat loans give business owners short-term funding secured by a caveat on property. See how they work, what they cost to exit, and conversion to a mortgage.
Second mortgages First mortgagesPrivate first mortgage business loans refinance a property out of the bank or release equity in first position. $20,000 to $5m for business purposes.
Second mortgages Bridging loansBridging loans for business cover the gap between a purchase and a sale or refinance. Property-secured, $20,000 to $5m, with a clear exit.
Business loans Bad credit loansBad credit business loans for owners with defaults, judgments or past ATO debt. See how property security is read, the unsecured routes and what to do first.
Business loans Unsecured loansUnsecured business loans need no property security. See typical sizes, how bank statements are read, who qualifies and where guarantees come in.
Business loans Same day loansSame day business loans explained: response, assessment and approval are realistic; same-day funds are rarer. See the difference and how to get there.
Business loans Fast business loansFast business loans in Australia compared: private mortgages, caveat loans, bridging, unsecured and invoice funding, with real timelines and how to choose.
Guide How fast can you get a loanHow fast can you get a business loan? Realistic hours-to-weeks timelines for private mortgages, unsecured loans and bank loans, and what moves a file along.
Guide Documents neededDocuments needed for a business loan, with separate checklists for private mortgage funding and unsecured loans, plus what to gather first to save days.
Guide Secured vs unsecuredSecured vs unsecured business loans compared on size, speed, who qualifies and personal guarantees, with a clear way to choose between them.
Guide Loan calculatorUse our business loan calculator to estimate repayments, and see how principal-and-interest and interest-only loans work and what the result leaves out.
Common funding needs
Funding can be possible within 24 hours in some approved private mortgage scenarios, when the security, the documents and the exit are all ready. Many files take a few business days. Unsecured options depend on bank statements, revenue and lender assessment, so they run on their own timeline.
Private first and second mortgage options may not need business cash-flow records for initial assessment, because the property security carries the application. Unsecured business loans generally need bank statements or cash-flow records to show the business can repay.
Yes. Bad credit can be considered, especially with suitable property security. Defaults, past ATO debt and bank declines do not automatically end an application, though every file is still assessed on its own security, purpose and exit.
No. Unsecured business loans do not need property security, but they generally need evidence of trading: a track record, regular revenue and recent bank statements. They suit established businesses more than start-ups.
Yes. The funds are paid to the ATO and the debt is replaced by a loan you can structure around the business. Property-secured private funding is common when the debt is large or time is tight, and unsecured options exist for businesses with strong bank statements. An ATO payment plan is the alternative, so compare both before you decide.
A second mortgage is a loan secured by a property that already has a mortgage on it. It sits behind the first mortgage, so you can use the equity in the property without refinancing the existing loan. It suits business owners who need funding quickly or want to leave a bank loan untouched.
Property-secured funding commonly runs from $20,000 to $5m, depending on the security and the structure. Unsecured options for trading businesses commonly run from $5,000 to $500,000, sized on turnover and bank statements. The right amount comes down to your purpose, your security and how the loan will be repaid.
On many short-term property loans, yes. Interest can often be prepaid or added to the loan, which keeps repayments off your cash flow while you wait for the exit. Pricing is individual to each deal and set once your details are assessed.
We are a matching service, not the lender on every deal. You complete one application and we help match you with the lenders we work with and the funding path that fits: private first or second mortgage funding, a tax debt loan or an unsecured business loan. That gives you multiple lender options from one application.
Common uses include clearing a tax debt, working capital, stock, payroll, equipment, expansion, bridging a settlement and urgent business expenses. Funding is for business purposes only.
Ready when you are
Submit once and let us help you find the right tax debt, private mortgage or unsecured business loan option.