Same-day business funding for Northern Melbourne.
Asset-secured loans from $20K to $1M. Drop your asset at our Lloyds partner facility in Thomastown. Funded the same day it's secured. No credit checks, no financials, no personal guarantees.
The asset is the conversation. Drop it at Thomastown.
If the banks won't move because of ATO debt, slow paperwork or a credit hit, we look at the asset instead. Drop it at the Lloyds facility on Keon Parade. We fund the same day once it's secured.
ABL is a private commercial lender for businesses that need to move fast. We don't run credit checks, we don't ask for financials, and we don't take personal guarantees. The asset you bring secures the loan. That's the whole assessment.
Our Melbourne work runs through the Lloyds Auctions facility at 4-10 Keon Parade, Thomastown VIC 3074. The same site that handles valuations and storage for clients across Campbellfield, Epping, Somerton, Lalor, Reservoir, Coolaroo, and the broader Hume Highway and M80 Ring Road corridors. Wherever you're working out of in Melbourne's north, you're close to drop-off.
Loans run from $20,000 to $1 million on terms of 1 to 9 months. Term sheet within 2 hours. Same-day settlement once the asset is secured. Repay anytime after month one and the asset comes back to you.
If you want the full picture of how this works as a category, see our guide to asset-based lending. Or call us. Most situations get sorted in a ten-minute conversation.
The situations we see every week.
Four scenarios where dropping an asset at Thomastown gets you funded the same day, when the banks have already said no.
ATO tax debt
BAS bills, GST arrears, or a sudden tax bill. Banks freeze when they see ATO debt on file. We don't credit check. See how we handle tax debt.
Director Penalty Notice
21 days to respond before personal liability kicks in. Banks can't move that fast. We can. DPN response funding.
Urgent cash flow
Payroll Friday. Supplier won't release stock. A deal closes this week. Drop the asset Monday, funded by close of business. Emergency funding.
Bridge funding
Settlement gap. Deal timing. A 1 to 9 month fix while you sort the next stage. Bridge funding.
The asset is the assessment.
Other lenders use your credit file as a proxy for how risky you are. We hold the asset until the loan's repaid. If repayment falls over, the asset clears the loan. Your credit history doesn't change the maths. That's why this works for businesses banks have already turned away.
“But I don't have any assets…”
You sure? We secure against any asset class, not just the obvious stuff.
Business-owned or personally-owned. Both work. Talk to us to find out more →
Asset secured. Cash out. Asset back.
Five steps from enquiry to funds in your account. Most Northern Melbourne deals settle inside 48 hours.
Send asset details
Photos, make, model, condition. We come back with indicative terms within 2 hours.
Independent valuation
Lloyds Auctions values it. We confirm the funding amount. No bank queue.
Drop at Thomastown
Deliver to 4-10 Keon Parade, Thomastown. Stored or GPS-tracked, your call.
Cash lands
Funding released to your account the same day the asset is secured.
Repay, asset back
Exit anytime after month one. Repay early, collect the asset, off the books.
We're here to help.
A specialist team that moves fast and gets to a yes when banks can't. Managing Director Steve Heavey walks through how it works and who it's built for.
- Australia's cash-out solution specialist. We lend against the assets you already own. Fast, asset-led, no credit checks.
- Traditional business loans assess your trading history, financials and credit. ABL assesses one thing: the value of your asset. So we can move in hours, not weeks.
- Tax debt, payroll pressure, supplier deadlines, or a settlement gap. Anywhere a business is asset-rich but cash-poor and time matters.
- You could, but it wouldn't be as fast and you'd be doing it under fire-sale conditions. With ABL you get funding when you need it without being forced to sell your asset under pressure.
- 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.
Acting on behalf of a Melbourne client?
We work with brokers, accountants and advisors across Victoria.
Tell us about your situation.
We'll get back to you the same day.
Tight timeline? Skip the form and call us. Email contact@assetbasedlending.com.au or call 1300 225 101.
What Melbourne businesses ask us.
If yours isn't here, give us a call. Most situations get sorted in a ten-minute conversation.
Where do I drop the asset?
What if I'm not close to Thomastown?
Can I keep using the asset instead of storing it?
Do you really not run a credit check?
What about ATO debt or a DPN?
How fast is “same day” really?
Drop it at Thomastown. Funded that day.
If you own an asset and need funds fast, we can talk you through it on the phone in under ten minutes. No commitment, no credit check, no paperwork to gather first.