When you need cash today — not next week — your assets can buy you time. No credit checks. No financials. No property required.
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.
But you have three days
Due to credit or cash flow
You need to act immediately
Traditional lenders can't move fast enough
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.
Five steps. Often done in a day.
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.
Cash crunches don't wait. Neither do we.
Invoice stuck. Wages due Friday. Your paid-off utes can fix that.
Property settlement pushed back. Equipment deposit due.
Tax debt mounting. DPN landing. The ATO won't wait.
Critical machinery down. Replacement needed now.
Bulk discount expires in 48 hours. Move now or miss out.
Speed is everything. Banks measure in weeks. We measure in hours.
If you own it and it's not heavily financed, we can probably fund against it.
Prime movers, tippers, flatbeds, refrigerated
Excavators, loaders, dozers, graders
Cars, utes, motorcycles, 4WDs
Recreational, commercial, jet skis
CNC machines, lathes, presses
Tractors, harvesters, irrigation
Medical devices, printing presses
Jewellery, fine art, gold, collectables
You, your business, or a related party. If ownership is clear and we can secure or track it, it works.
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 |
We don't assess your credit, cash flow, or financials. We assess the asset. That's why we move in hours.
What time pressure really costs — and how we fix it.
Store it, track it, or sell it. You choose how we secure the asset.
Store your asset, get cash now
Asset stays with us. You get cash immediately. Repay and collect it.
Keep working, we'll track it
Keep using your equipment. We fit a GPS tracker. Business as usual.
Exit clean, no fire sale
Done with the asset? Get cash now. We handle the sale.
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.
No commitment. Quick valuation. See if the numbers work for your situation.
Fast funding. Backed by assets.
Asset Based Lending provides short-term funding without the need for property or credit checks.
Quick Links
© 2026 Asset Based Lending. All rights reserved. ABN 63672344615
