Short-term business loans in Australia

A short-term business loan bridges a working capital gap that a bank facility either can't move fast enough to cover, or won't approve at all - stock that needs paying for before it's sold, payroll during a slow month, a signed contract that needs funding before the client pays, or a tax debt that's become urgent.

What sets it apart from a bank facility

• Approval measured in hours or days, not weeks
• Assessed on property security and exit rather than a full trading history
• Repaid with a single payment at the end of term, rather than amortised repayments
• Available even where a bank has already declined the application

How it's structured

Alphacon Fast is a self-declaration product built for exactly this kind of scenario - assessed on the security and the asset, not a credit score, and repaid with a single bullet payment at the end of term rather than ongoing instalments. It suits new or established companies and trusts, including SMSFs, and lends from $200,000 to $10,000,000.

The right short-term facility isn't the cheapest one - it's the one that actually settles before the business runs out of runway.

What it costs, and how to compare it

Short-term property-secured lending is priced higher than a standing bank facility, since speed and flexibility are being paid for directly. Compare offers on total cost over the period you'll realistically hold the loan - the establishment fee, any risk fee, and the monthly management cost - rather than the headline rate alone.

Used for a genuine short-term gap with a clear repayment source, this kind of facility does exactly what it's built for: keeps the business moving while a temporary cash flow problem resolves itself.