Same-day settlement against assets you own. No financials, no credit checks, no personal guarantees. Indicative term sheet within 2 hours.
Banks assess your financials, credit history, trading record. That takes weeks. Fast business funding assesses the asset. No credit checks, no financials, no waiting.
Fast business funding is asset-based lending built for speed. It's funded within hours, not weeks. It requires no financials, no credit checks, no personal guarantees. The only thing we assess is the value of the asset you're securing against.
Traditional bank loans require multiple years of financial statements, credit clearance, personal guarantees and weeks of underwriting. By the time approval lands, the moment has passed. You need funds for a deal closing, a stock purchase, wages, tax debt or emergency cash flow. The bank moves slowly. Fast business lending moves in hours.
ABL provides genuinely fast business funding for Australian businesses. We issue an indicative term sheet within 2 hours of enquiry and settle the same day once your asset is secured. No financials required. No credit checks. No property required. No personal guarantees.
This is commercial finance for asset-rich businesses that need to move fast. Funding runs from $20,000 to $1 million, secured against vehicles, machinery, equipment, inventory, art, gold, or any other unencumbered asset of sufficient value. Terms run from 1 to 9 months. Repay early any time after month one, get your asset back, off the books.
Four scenarios where fast business funding makes the difference.
You've got the goods or the contract. Bank approval is 3–4 weeks minimum. You need the cash now.
ATO is applying enforcement. You need to negotiate or pay down before the 21-day DPN window closes.
Cash flow dried up. Equipment is paid for. You need working capital for payroll. Waiting for bank approval isn't an option.
Strong equipment value, clear ownership, but financials are a mess. Credit file has issues. Bank won't even look at it.
Banks spend weeks reviewing your financial history, credit rating, trading record, and business plan. We spend 2 hours valuing an asset you own. That's why we're faster.
Why asset-based funding is faster than traditional lending.
| Traditional banks | Fast business lending (ABL) | |
|---|---|---|
| Assessment criteria | Financial history + credit rating + trading record | Asset value only |
| Financials required | 2 years + interim | None |
| Credit check | Yes (mandatory) | No |
| Time to approval | 2–6 weeks | 2 hours (indicative) |
| Time to funding | 4–8 weeks | Same day |
| Best for | Good financials, time on your side | Asset value, urgent need |
For more detail, see our complete guide to asset-based lending vs traditional bank loans.
Five simple steps. No hidden process. Same-day settlement possible.
Describe the asset and your funding need. We'll discuss your situation in 10 minutes.
Issued within 2 hours. All costs upfront, no surprises.
Stored with us or kept in service with GPS tracking.
Same-day settlement once the asset is secured.
Anytime after month one. Repay early, get your 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.
Common questions about same-day business funding. Call us if yours isn't answered.
If you own an asset and need funds fast, we can talk through the whole thing on the phone in under ten minutes. No commitment, no credit check, no hidden process. Same-day settlement possible.
