When you need cash now, not next week, an asset the business, a director or a third party already owns can buy you time. When you’re out of time, you’re not out of options. Funding typically takes 24 to 48 hours once the asset is secured.
Facing an ATO deadline? See ATO debt funding. New to this? Read what asset-based lending is.
Emergency business funding is short-term finance for when you need capital now, not in three weeks. Speed over paperwork. We provide a fast equity release: we lend against an asset that is already owned, not against 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.
The difference: We’re not a business loan. We’re a short-term cash-out solution secured by an asset that is already owned. Asset in, cash out, asset back.
The asset can be owned by the business, by a director personally or by a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. How we secure it depends on the asset.
If the asset earns for the business, such as a truck, van or machine, we secure it with a GPS tracker and you keep using it for the length of the loan. See Track It.
For a personal asset, or any asset you don’t need day to day, Park It gets you our best rate. We hold onto the asset for the length of the loan and return it when you repay. See Park It.
Cash crunches don’t wait. Neither do we.
Invoice stuck. Wages due Friday. A paid-off ute or truck can fix that.
Property settlement pushed back. Equipment deposit due. See bridge funding.
Tax debt mounting. DPN landing. The ATO won't wait. See ATO debt funding and DPN funding.
Critical machinery down. Replacement needed now.
Bulk discount expires in 48 hours. Move now or miss out.
If it is urgent and you have an asset, put it forward and we'll value it.
If it is owned outright or mostly paid off and we can secure against it, 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.
How ABL compares with other emergency funding options. Ranges are typical and vary by lender. For a deeper look, see asset-based lending vs cash flow lending.
| Bank loan | Online lender | Invoice finance | ABL | |
|---|---|---|---|---|
| Enquiry to funds | 3 to 6 weeks | 1 to 5 days | 2 to 7 days | Typically 24 to 48 hours once the asset is secured. Our record is six hours |
| 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 to 10 years | 3 months to 3 years | Ongoing | Typically 1 to 3 months, extendable to 9. Exit any time after month one, no penalty. Pay only for the days you use |
| Best for | Long-term growth | Working capital | Ongoing cash flow | Crisis or bridge |
What time pressure really costs, and how we fix it.
Situation: Friday payroll due. An invoice payment was stuck with a major retailer, and $45K was needed by Thursday.
Asset: Two paid-off utes worth $80K combined.
Solution: Advanced $45K via Track It. They kept driving, met payroll and repaid in 6 weeks.
Situation: Property settlement delayed 3 weeks. $120K was needed for a deposit on new equipment already ordered.
Asset: Excavator worth $200K sitting idle on site.
Solution: Advanced $120K via Park It. Settlement cleared and the asset was returned.
Situation: Director Penalty Notice received for $95K in PAYG debt, with no property to secure against.
Asset: $300K of excavators on site, still working daily.
Solution: Advanced $95K via Track It. The ATO was paid within 72 hours and the DPN was dealt with. See DPN funding.
Situation: Business winding down. A fire sale offer of $85K came in against a proper market value of $140K.
Asset: CNC machine.
Solution: Advanced $95K via Sell It. The machine sold at auction for $132K and the client received a $20K surplus after the loan was repaid.
Three ways to use what you already own. The right product depends on whether you can spare the asset, need to keep using it or are ready to release it entirely. Compare all three products.
| Park It | Track It | Sell It | |
|---|---|---|---|
| In a line | Asset stored. Capital now. | Keep using it. Capital now. | Capital now. The sale completes the loan. |
| Where the asset is | Securely stored | Stays with you, GPS-secured | Prepared for auction |
| Use during the term | None | Continued, as normal | None |
| Asset returns | Yes, when you’re done | Yes, when you’re done | No, the sale closes the loan |
| Best for | An asset you can park for the term | An asset that needs to stay in service | A strategic exit on an asset you’re ready to release |
| Learn more | View Park It | View Track It | View Sell It |
Your problem is measured in days. Indicative terms within 2 hours, and typically 24 to 48 hours to funded once the asset is secured.
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.
Typically 1 to 3 months. Exit any time after month one with no penalty, and pay only for the days you use.
A trusted panel of valuation partners, with experts located across Australia and decades of valuation experience.
Steve Heavey, Managing Director of Asset Based Lending, explains how a cash out solution works and when it fits: you own the asset, time is short and your other options are slow or closing.
This is a real equity release play. There are a lot of businesses out there that are asset rich but cash poor. They're sitting on assets because they know that at some point they may need them. If you're talking about a construction company, that could be trucks, cranes and excavators, all sitting around waiting for the next job. Those assets are doing nothing, when they could be used to resolve some of the short-term cash flow challenges the business may face.
So it's about educating people that this is a short-term solution that helps businesses smooth out their cash flow and resolve those issues, using assets they already own instead of taking on more lending, which puts them under even more pressure.
We had an organisation recently that was on the winding-up list at the ATO. The ATO were trying to wind up their transport company, and they were two days from losing the business to liquidation. Within two days we were able to provide enough money for the business to pay the ATO back, get off the winding-up list and keep trading. One of the best outcomes was that their broker came in and refinanced the family home, so they could pay us back, and the business continued. That saved 40 jobs. This business had 20 trucks on the road, and it lives to fight another day.
I think that's the greatest part of asset based lending. We're here to help businesses survive right now. We can do that because we can move quickly. Nine times out of 10, it's the urgency that's required in these situations where ABL is able to come to the fore, and we provide the bridging solution so they can resolve their issues and get the help they need, whether that's through their accountant or their finance broker.
Well, you could do that, but a lot of our clients are in urgent need of cash. If you go down the traditional path of selling an asset, or going to a bank to secure finance, you can safely say it's going to take at least two to four weeks before that even happens. In some cases with banks, it could be up to three months before you get a decision on commercial finance.
Asset Based Lending can provide a solution the same day. If you've got assets sitting idle and you're willing to park those assets with us, we can release funds on day one.
Steve: We'll lend money for up to six months. We've probably had several customers in that situation at the end of the term, and every one of them has said to us that they were going to sell the asset anyway. It was one of their exit strategies from the start. What Asset Based Lending does is buy people time. We allow them to resolve the issue and get out the other side. Because you can access the funding straight away, you can resolve that tax debt straight away, take the pressure off, get the wolves from the door, and really focus on your business and get yourself out of trouble.
Update, October 2026: the maximum term is now nine months.
At the end of the term, every single person we've talked to has said, "Steve, we were going to sell the asset anyway, but you provided a short-term solution and got us out of trouble at the time. What we're doing now is what we were going to do right at the start, and it's been a great outcome for us."
Interviewer: That time piece is really interesting. If you're going to sell, you need a valuation anyway, but then the time keeps going while you try to find the person who's going to pay at that valuation. And we know the market: you're never going to get the price it's valued at. It's always going to be under.
Steve: Yeah. You never get full price at a liquidation sale, I can tell you that. So in the situations where we do sell assets at the end of the term, we run a proper four-week campaign. It's all transparent and all online. We've got a business partner in Lloyds Auctions & Valuations, where everything's transparent and you can see live bids coming in on your asset. Because we're lending 70% of the forced liquidation value, not the market value, there's always a surplus at the end of the term. We take our principal and interest back, and whatever's left after the asset's sold goes back to the client.
Emergency business funding is short-term finance for when you need capital now, not in three weeks. ABL provides it as a fast equity release: we lend against an asset the business, a director or a third party already owns, not against your credit file.
Yes. ABL provides short-term secured commercial lending. The loan is secured against an asset, not your home or other property. With Park It we hold the asset for the length of the loan, and with Track It you keep using it while it is GPS-secured. The asset can be owned by the business, a director or a third party, as long as it is owned outright or mostly paid off and we can secure against it.
We release funding once the asset is secured. Indicative terms come within 2 hours, and funding is typically 24 to 48 hours from enquiry. Our record is six hours. The main variable is how quickly the asset is made available.
No. Funding is based on the value of the asset, not your credit history.
That is who we help. If you have an asset that is owned outright or mostly paid off, we can often fund when banks and online lenders can't.
No. No BAS, no tax returns and no financial statements. We assess the asset, not your cash flow.
Park It: it is stored with us for the length of the loan. Track It: you keep using it, GPS-secured. Sell It: we sell it and return any surplus to you.
Loan amounts are $20K to $1M, depending on asset value. We typically advance up to 70% of the asset's value.
Pricing is monthly, not annual, and depends on the product and the loan amount. After month one you pay only for the days you use, and you can exit any time after month one with no penalty. Indicative terms come within 2 hours, so you can see the cost before you commit.
Most terms are one to three months, and we can extend up to nine if you need more time. The minimum is one month. You can exit any time after month one with no penalty.
Only if you don't repay. Most clients repay, refinance or sell within the term, then collect the asset back. We buy you time. We don't take your gear.
Yes. The asset can be owned by the business, by you personally or by a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. Work assets can stay in use with Track It. Personal assets are usually best suited to Park It, which gets our best rate because we hold the asset for the length of the loan.
Traditional business loans assess your trading history, financials and credit. ABL assesses one thing: the value of your asset. That is why we can move much faster.
You could, but it is rarely as fast, and you may be selling under pressure. With ABL you get funding when you need it without being forced into a discounted sale.
Talk to us early. We work with you on options. If repayment isn't possible, we sell the asset to clear the loan and return any surplus to you.
Australia's dedicated cash-out solution specialist. We provide a fast equity release against assets we can secure, with no credit checks.
More questions? See all ABL FAQs.
No commitment. A quick valuation. See if the numbers work for your situation.
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Page last updated 7 October 2026. ABL provides short-term secured commercial lending. Loans are secured against your asset.
