Emergency business funding is short-term finance for when you need capital now — not in three weeks. Speed over paperwork. Cash over process.
Most lenders want credit checks, financials, weeks of back-and-forth. We don’t. We provide asset-backed funding — we lend against what you own, not what your credit file says.
The difference:
We’re not a business loan. We’re a short-term cash advance secured by assets you already own. Asset in, cash out, asset back.
Tell us about your asset and what you need. Five minutes online or on the phone.
We value the asset and give you a clear offer — simple monthly rate, 1–6 month terms.
Asset stored with us (Park It) or GPS-tracked while you keep using it (Track It).
Cash in your account. Same day.
Pay it back, get your asset back. Exit after month 1. No exit fees.
Not all fast funding is the same.
| Bank Loan | Online Lender | Invoice Finance | ABL | |
|---|---|---|---|---|
| Speed | 3–6 weeks | 1–5 days | 2–7 days | Same day |
| Credit check | Yes | Yes | Yes | No |
| Financials required | Yes | Yes | Sometimes | No |
| Property required | Often | Sometimes | No | No |
| What's assessed | Cash flow, credit | Cash flow, credit | Debtor quality | Asset value only |
| Typical term | 1–10 years | 3 months – 3 years | Ongoing | 1–6 months |
| Best for | Long-term growth | Working capital | Ongoing cash flow | Crisis / bridge |
Transport Business, Melbourne
Friday payroll due. Invoice payment stuck with a major retailer. $45K needed by Thursday.
Two paid-off utes worth $80K combined
Advanced $45K via Track It — they kept driving, met payroll, and repaid in 6 weeks.
Property Developer, Sydney
Property settlement delayed 3 weeks. $120K needed for deposit on new equipment already ordered.
Excavator worth $200K sitting idle on site
Advanced $120K via Park It. Settlement cleared. Asset returned.
Construction Company, Brisbane
Director Penalty Notice received for $95K in PAYG debt. No property to secure against.
$300K in excavators on site, still working daily
Advanced $95K via Track It. ATO paid within 72 hours. DPN avoided. Cost: ~$17K over 3 months.
Manufacturing Business, Adelaide
Business winding down. Fire sale offer: $85K. Proper market value: $140K.
CNC machine
Advanced $95K via Sell It. Sold at auction for $132K. Client received $20K surplus — $35K better off.
Your problem is measured in days. Our solution is measured in hours.
We don’t check your score. We assess the asset, not the borrower.
No BAS. No tax returns. No P&L. Just the asset.
Most lenders still want property. We don’t. Your equipment is the security.
Park It: 4%/month. Track It: 6%/month. Exit after month 1. No exit fees.
Australia’s asset specialists. National reach. Decades of experience.
Quick answers to the questions we hear most — straight from ABL CEO Steve Heavey.
Same day. Once the asset is secured, cash lands in your account.
No. Funding is based on asset value, not credit history.
That’s who we help. If you’ve got unencumbered assets, we can often fund when banks and online lenders can’t.
No. No BAS, no tax returns, no financial statements. We assess the asset, not your cash flow.
Park It: stored with us. Track It: you keep using it with GPS. Sell It: we sell it and return the surplus.
$20K to $1M, depending on asset value. We typically advance up to 70% of forced sale value.
Park It: 4%/month. Track It: 6%/month. 1–6 month terms. Exit after month 1 with no fees.
Only if you don’t repay. Most clients repay, refinance or sell properly within the term — then collect it back. We buy you time, not take your gear.
Yes. Assets owned by you, your business, or a related party work — if ownership is clear and we can secure or track it.
