SHORT-TERM FUNDING FOR IMMEDIATE BUSINESS NEEDS
Short-term finance can help businesses address immediate funding needs without committing to long-term debt. Our property-backed loans can support property settlements, refinancing, working capital, ATO obligations, loan arrears and other time-sensitive commercial requirements.
We provide registered first and second mortgages based on the available property security, funding requirements and proposed exit strategy. Immediate short-term business loans may be suitable when timing is critical and a traditional lender cannot meet the required timeframe.
You can also explore our broader range of business loans to see how property-backed funding may support your commercial objectives.
A PRACTICAL ALTERNATIVE TO LONG BANK PROCESSES
Businesses comparing lenders for short-term business loans often need certainty around timing, requirements and settlement. As a direct private lender using our own capital, we make our own lending decisions and provide clear communication throughout the application process.
Our short-term business loans are secured against eligible real estate, allowing us to assess the strength of the property, loan purpose and proposed exit strategy rather than relying solely on financial statements or cash flow. This helps us make practical lending decisions based on the overall transaction.
Borrowers seeking short-term business loans with a poor credit history may still be considered. Credit issues do not automatically prevent approval, as we assess each application on its overall merits rather than relying on the credit file alone.
Pronto Funds
LOAN SPECIFICATIONS
Loan Feature | Details |
Loan Amount | $200,000 to $10 million |
Loan Term | 1 to 12 months |
Maximum LVR | Up to 85% |
Security | Residential, commercial or other eligible real estate |
Loan Position | First or second mortgage |
Indicative Decision | Within 24 hours |
Settlement | Ability to settle within 48 hours |
Rates | From 1.2% per month |
HOW OUR BUSINESS LOANS WORK
We assess each application based on the loan purpose, available security, requested amount and proposed exit strategy. As a direct lender using our own capital, we can make decisions quickly, communicate clearly and provide funding solutions aligned with your business requirements.
SHORT TERMS. CLEAR EXIT STRATEGIES.
Every short-term business loan begins with a defined exit strategy. This may involve refinancing, the sale of a property or another verified source of repayment, helping ensure the loan aligns with the agreed term.
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f.a.q.
Frequently Asking Questions
How long is a short-term business loan?
Our short-term business loans generally run for 1 to 12 months. The loan term is tailored to your specific funding needs and intended repayment strategy, ensuring the facility aligns with your business objectives and timeline.
Will a bad credit history impact my loan prospects?
A poor credit history does not automatically prevent approval. We assess the available property security, loan purpose and exit strategy, rather than relying on your credit file alone.
Can I repay my loan early?
Yes. Many borrowers choose to repay their loan before the end of the agreed term once their funding objective has been achieved.
What happens at the end of the loan term?
At the end of the loan term, the loan is repaid in accordance with the agreed exit strategy, such as refinancing, selling a property or receiving funds from another source. If additional time is required, an extension may be considered.