Short-term business finance · 3 to 24 months
Borrow for months. Plan the exit first.
Business loans that end when the job does. We set out the total cost in dollars, tell you what repaying early saves, and plan how the loan gets repaid before you sign.
- No credit check to enquire
- Total cost in dollars
- $20k – $5m
Exit clock
Two quotes, one question: what does each cost if you repay at month ?
Illustrative figures pre-filled — use your own quotes. Assumes unused time is saved on early payout. Full comparator →
Pick the term from the job, not the brochure
Short-term means roughly 3 to 24 months. The right length is the time your need takes to resolve, plus a buffer.
Our promises
Three promises on every enquiry
No credit check to enquire
Asking what a short-term loan would look like doesn't touch your credit file. That conversation only happens if you choose to proceed.
No spray-and-pray
Your enquiry isn't auctioned off to a list of lenders. One person reviews it and works out where it genuinely fits.
A real person on your file
A lending specialist reads your details and calls you. Accurate form answers mean the first option you hear about is the right one.
How we lend
Three rules for short-term loans done properly
Short-term finance goes wrong in predictable ways. These three rules prevent most of them.
- 01
Total cost, in dollars
Every fee plus every dollar of time-based cost, for the months you'll really hold the loan. Not a headline percentage that leaves half of it out.
How total cost works → - 02
Early payout, agreed up front
Before you sign, you'll know what repaying at month three, six or nine would cost — and which fees are never refunded.
Early repayment explained → - 03
The exit, written first
Where the repayment comes from, how much, when, the evidence and a plan B. If we can't write it together, a short-term loan isn't the answer.
The five-part exit plan →
Explore
Everything about short-term business finance
Plain-English pages written around one idea: know what it costs and how it ends before you borrow.
Three months, six, twelve or up to twenty-four: what each term suits, what it costs in dollars and how people usually repay it.
All loan terms pages →How to see the full dollar cost of a short-term loan, what paying it out early really saves, and how to compare quotes side by side.
All costs & payout pages →Every short-term loan needs a way out. Refinance, sale, money owed to you or trading cash flow — how to plan it, prove it and keep a plan B.
All exit planning pages →Short-term finance is brilliant for some jobs and poor value for others. Here is how to tell which one you're facing.
All when it fits pages →Free tools
Do the maths before anyone sells you anything
Two calculators built around dollars and dates — no rates, no sign-up.
Short vs long term comparator
Enter two quotes in dollars. See full-term cost, monthly outlay, the cost if you repay early and the month where the cheaper option flips.
Open the comparator →Exit strategy builder
Choose how the loan gets repaid, test coverage and buffer, tick off your evidence — and get a dated countdown to print.
Build my exit plan →
How it works
From first question to a loan with a finish line
- Step 1Tell us the job
Amount, purpose, the term you have in mind and how you expect to repay. About 60 seconds, and no credit check.
- Step 2A specialist calls you
A real person reads your enquiry and talks it through — including whether short-term is the right tool at all.
- Step 3Options, costed in dollars
Total cost, fixed fees, repayment rhythm and payout rules, side by side, with the exit mapped against the term.
- Step 4Documents, approval, funding
Only once you decide to proceed. You'll know exactly what's needed and what the countdown to repayment looks like.
Straight answers
Right tool, or wrong tool?
We'd rather tell you now than watch a loan turn into an extension.
Short-term fits when…
- the need ends — a tax bill, a season's stock, a contract gap
- you can name where the repayment comes from
- that money is expected well before the due date
- repayments fit your quietest month, or the exit is a lump sum
- it's the only short-term debt you'll be carrying
It's the wrong tool when…
- the need is permanent working capital
- it pays for equipment you'll use for ten years
- the exit is "things should pick up"
- it would cover repayments on another loan
- the business can't pay its debts as they fall due
Guides
Before you sign, read these
How to read a short-term business loan offer, clause by clause
Eight sections every short-term loan offer contains, what each means in dollars and the questions to ask before you sign.
The 90-day exit countdown for a short-term business loan
What to do at 90, 60, 30 and 7 days before a short-term loan falls due — whatever your exit route.
Is business loan interest tax deductible? What the ATO says
Interest, fees and legal costs on business borrowing, the end of GIC deductions, and how to think about after-tax cost.
Short-term business loan questions
What is a short-term business loan?
Business finance repaid within roughly 3 to 24 months, used for a specific need with a clear end — a tax bill, stock for a season, a new contract, or the gap before a sale or refinance. It can be secured by property ($20,000 to $5,000,000) or unsecured for trading businesses (typically $5,000 to $500,000).
Why don't you publish interest rates?
Because every loan is priced on the business's own circumstances, and a headline rate says little about a loan you may hold for five months or repay early. We set out the total cost in dollars, the fixed fees and the payout rules for the options that fit you.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed if you decide to go ahead with an application.
Can I repay early?
Usually, yes. What it saves depends on the contract — some loans charge only for the days used, others have a minimum period or a fixed cost. We explain the payout rules on every option before you sign.
What's an exit strategy and why does it matter?
It's how the loan gets repaid in full: a sale, a refinance, money owed to you or trading surplus. Short-term loans end on a fixed date, so the exit should be written down, evidenced and given a buffer before you borrow.
Will my details be sent to lots of lenders?
No. A real person reviews your enquiry and works out where it genuinely fits. We don't spray your details around the market.
Can you help with bad credit or ATO debt?
Both are considered case by case. Property security, clean recent bank statements and a believable exit carry a lot of weight. Tell us about it on the form so the first conversation is realistic.
More answers on the FAQ page, or ask us directly in a 60-second enquiry.
Tell us the job. We'll show you the cost and the way out.
One short enquiry, no credit check to ask, and a real person who sets out the dollar cost, payout rules and exit plan for the options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file