A private business lender offering same day business loans secured against the assets you already own. Loans from $20,000 to $1 million. No financials, no credit checks, no PGs.
A private lender is a non-bank funder providing capital directly to businesses without the bureaucracy, credit committees, or approval queues of traditional lenders. When time is critical, this is the difference between getting a deal done and watching it slip away.
A private business lender, sometimes called a private commercial lender or private finance lender, provides loans directly from its own capital rather than through deposit-funded banking channels. The advantage is speed, flexibility, and the ability to lend in situations that banks won't or can't.
Australian businesses turn to private lending when timing matters more than rate. Traditional lenders take 4 to 8 weeks. By the time approval comes through, the deal has moved on, the tax debt has escalated, or the opportunity has gone to someone else. A private lender like ABL works on a different timeline. Indicative term sheet in 2 hours. Same-day settlement once the asset is secured.
This is what an urgent loan for business actually means in practice. The bank says four to six weeks. You don't have four to six weeks. The supplier wants payment by Friday, the ATO wants money on Tuesday, the deal closes the week after. A same day business loan sounds like a marketing line until you need one. Most clients are funded inside 24 to 48 hours from the first phone call. Some are funded the same day if the asset checks out and they ring early enough.
ABL is a specialist private lender for asset-secured commercial finance. We lend against vehicles, machinery, equipment, inventory, art, gold, or any other unencumbered asset of sufficient value. Business-owned or personally-owned, both work. Loans run from $20,000 to $1 million, on terms of 1 to 9 months. No financials. No credit checks. No personal guarantees. No property required.
This isn't a long-term debt instrument. It's short-term commercial finance designed for the urgent and the time-critical. Solve the problem, repay, get the asset back, move on.
Four scenarios where a private lender does what a traditional loan can't.
Credit, financials, time in trade, industry exposure. There are a hundred reasons banks decline. We assess the asset, not the application.
Approval is coming, but not in time. The deal closes Friday. Tax is overdue. Wages are due. We settle same day.
You need a bridge, not a 5-year facility. Solve the problem, repay, get the asset back. Off the books.
Traditional lenders want a property guarantee. You're not putting your home on the line. We secure against the asset, not your house.
Some private lenders take property security and call themselves caveat lenders. Some assess cash flow and trade history like a traditional lender. ABL is different. We lend purely against the asset you already own. That's the model, and it's how we move faster than anyone in the market.
The Australian commercial finance landscape has more options than ever. Here's how the main paths compare.
| Bank loan | Unsecured non-bank | Private asset lender (ABL) | |
|---|---|---|---|
| Security required | Property, usually | None (priced for risk) | Business or personal asset |
| Credit check | Yes, full | Yes | No |
| Financials needed | 2 years minimum | Bank statements + BAS | None |
| Time to funding | 4–8 weeks | 3–7 days | Same day |
| Loan amount | $100K–$50M+ | $10K–$500K | $20K–$1M |
| Term | 3–30 years | 6–36 months | 1–9 months |
| Rate | Lowest | Higher (unsecured risk) | Mid (secured by asset) |
| Best for | Strong financials, time on your side | Trading history, no asset | Asset-rich, time-critical |
For deeper comparisons, see our guides on asset-based lending vs bank lending and asset-based lending vs cash flow lending.
Five steps from enquiry to funds in your account. Most deals settle inside 48 hours.
Truck, machinery, equipment, stock, art, gold. We'll value it the same day.
Issued within 2 hours. Costs upfront, no surprises.
Stored with us or kept in service with GPS tracking fitted.
Funding released the same day once the asset is secured.
Exit anytime after month one. Repay early, get the asset back.
We work with brokers and advisors across Australia.
We'll get back to you the same day.
Prefer not to use the form? Email us at contact@assetbasedlending.com.au or call 1300 225 101.
The questions we get most about private business lending. Call us if yours isn't here.
If traditional lenders can't help and time is running out, we can talk you through it on the phone in under ten minutes. No commitment, no credit check, no paperwork to gather first.
