Real-world deadlines

Funding scenarios

The situations that send business owners looking for short-term money — and how a property-secured loan can solve each one.

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19 plain-English explainers in this section

ATO tax debt

Using property to clear an ATO debt? Compare caveat, second mortgage and first mortgage options, how fast each settles and the exit lenders want to see.

Urgent, property-secured

Need business funds this week? See which property-secured loan moves fastest for your title and state, what slows a deal down and how to get ahead of it.

Emergency mortgage

Garnishee notice, demand or frozen account? How an emergency private mortgage works, which structure fits your title and what to do in the first 24 hours.

Bad credit

Defaults, judgments or an ATO listing? How private lenders weigh bad credit against property equity, which structure fits your state and how to present it.

Settlement shortfall

Valuation came in low or the bank's running late? How a settlement shortfall loan works, which short-term structure fits, and what to do before the deadline.

Buying a business

Found the right business but the bank's too slow? How a short-term loan secured by property funds the purchase, which structure suits, and how you refinance.

Large order or contract

Won a big order but need materials and staff before the first invoice is paid? How to size a short-term loan to the cash gap and pick the right structure.

Bank said no

Business loan declined by the bank? Decode the reason, pick a short-term property-secured structure that still works, and plan your way back to a bank.

Seasonal stock

Need to stock up before your busy season? How to size a short-term loan for seasonal stock, choose the right structure and time repayment around BAS.

Partner buyout

Partner leaving and the payout's due? How a short-term property-secured loan funds a partner buyout, which structure suits and how to refinance it afterwards.

Waiting on a sale

Sold, but settlement is weeks away and the business can't wait? How a short-term loan against the sold property works, and the clearance certificate trap.

No credit check?

Caveat loan no credit check? You can enquire without one. Here's what a lender checks before approval, when it happens, and why equity outweighs your score.

Developers and builders

Caveat loans for property developers and builders: cover a late progress claim, a site deposit or unsold stock, and get your construction lender on side.

Tax debt help

Tax debt help for business owners who can't pay the ATO: payment plans, loans, selling assets, free helplines, and when property equity is the quicker fix.

Urgent tax debt loan

Need an urgent loan for a tax debt? The day-by-day plan to pay the ATO this week, what to have ready, and which property structure settles fastest.

ATO garnishee notice

ATO garnishee notice on your bank account or customers? What it can reach, how to get it varied or withdrawn, and how a property loan pays the ATO fast.

Director penalty notice

Got a director penalty notice? How the 21 days are counted, why lockdown DPNs need full payment, and how directors borrow against property to pay in time.

ATO credit reporting

ATO debt credit reporting explained: the $100,000 and 90-day test, the 28-day notice, whether a payment plan stops it, and how to clear the debt in time.

Payment plan vs loan

ATO payment plan vs business loan: why GIC is no longer deductible, when the ATO says no to a plan, and when borrowing against property costs less overall.

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