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Urgent loan broker
Fast-tracked finance solutions for urgent situations
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Finance from over 90 lenders
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Settlement possible within 24-48 hours
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Borrow $10K to $50M
Specialists in urgent home loans, caveat loans, business funding, and emergency finance Australia-wide.
Explore urgent finance options when time matters
Loans starting from
$10K to $50M
When you’re facing time-sensitive financial situations, finding appropriate funding quickly can be critical. Whether you’re dealing with settlement deadlines, business cash flow pressure, tax obligations, or unexpected expenses, the right urgent finance solution can make a significant difference.
We assist individuals and businesses in exploring fast-tracked lending options that align with urgent timeframes. Our approach is practical, transparent, and focused on finding suitable solutions for time-critical situations.
With access to over 90 banks, specialist lenders, and private funders, we help clients explore both standard expedited options and alternative urgent finance solutions across Australia.
Experienced support
Supporting Australians with urgent and time-sensitive finance solutions.
Wide lender access
Access to major banks, specialist urgent lenders, and private funding sources.
Expedited process
We prioritise urgent applications and work to streamline approval timeframes where possible.
Urgent lending options for time-critical situations
We manage urgent loan applications with priority attention. This includes rapid lender selection, expedited application preparation, same-day submissions where possible, and proactive follow-up throughout the approval process.
Our role is to help you explore suitable urgent finance options while working to achieve the fastest possible turnaround within lender constraints.
We assist with:
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Urgent home loan settlements
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Caveat loans and bridging finance
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Urgent business funding
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Emergency personal loans
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Tax debt and ATO obligations
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Legal settlement funding
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Property settlement shortfalls
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Urgent refinancing
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Business rescue funding
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Time-critical asset finance
While you focus on your priorities, we manage the lending process.
Urgent home loan settlements
Urgent home loan settlements arise when property purchases have tight timeframes, unconditional contracts are approaching settlement, or bridging finance is needed between property transactions. Missing settlement dates can result in significant penalties or contract termination.
We assist borrowers in exploring fast-tracked home loan options with lenders that support expedited processing. This includes reviewing your financial position, income documentation, and property details to identify lenders most likely to meet urgent timeframes.
Most urgent home loans require complete documentation upfront and may involve higher fees or interest rates due to expedited processing. We prepare comprehensive applications that anticipate lender questions to avoid delays.
Where standard bank timeframes cannot meet settlement deadlines, we explore specialist lenders and private funding options that may offer faster turnaround. These alternatives typically involve higher costs but can prevent settlement default.
We coordinate valuations, document collection, and lender communications to support the fastest possible approval. In some cases, conditional approvals can be obtained within 24-48 hours, though full settlement typically requires several business days minimum.
Our objective is to help you explore financing options that align with your settlement deadline while maintaining realistic expectations about achievable timeframes.
Caveat loans and bridging finance
Caveat loans are short-term secured loans that use property equity as security through a caveat registered on title. These loans can provide rapid access to funds, often within 24-72 hours, making them suitable for urgent situations.
We assist property owners in exploring caveat loan options for situations including property settlement shortfalls, urgent business funding, legal costs, tax obligations, or temporary cash flow gaps. Caveat loans are typically used when traditional lending timeframes cannot meet urgent needs.
Lenders assess available property equity, loan-to-value ratios, and exit strategies. Most caveat loans require clear repayment plans within 3-12 months. Interest rates and fees are typically higher than standard loans due to speed and flexibility.
We prepare applications that demonstrate property security value, immediate funding need, and viable exit strategy. This can support approval processes and potentially improve terms.
Bridging finance operates similarly, providing short-term funding to "bridge" between transactions or until longer-term finance is arranged. Common uses include purchasing before selling, business acquisitions, or development funding.
We also advise on first and second mortgage options, interest-only structures, and capitalised interest arrangements. Our focus is to help you understand costs, risks, and repayment obligations before proceeding.
For advice on tax implications of short-term borrowing, we recommend consulting a qualified accountant.
ATO tax debt and payment arrangements
ATO tax debt requires urgent attention, particularly when garnishee notices, director penalty notices, or wind-up actions are threatened. Ignoring tax obligations can result in serious consequences including legal action and business closure.
We assist businesses and individuals in exploring funding options to address tax obligations quickly. This includes tax debt consolidation loans, payment arrangement funding, and urgent refinancing to release funds for ATO settlement.
Lenders that support tax debt funding assess overall financial position, business viability, and proposed payment solutions. Clear communication with the ATO about payment arrangements can help prevent escalation while funding is arranged.
We work with lenders experienced in tax debt situations who understand ATO processes and timeframes. Many lenders require confirmation of ATO payment arrangements before approval.
We also coordinate with accountants and tax agents to ensure funding solutions align with overall tax obligations and business recovery plans.
Early engagement is critical for tax debt situations. Waiting until enforcement action begins significantly limits available options.
For tax advice and ATO negotiation support, we recommend consulting a qualified tax accountant or registered tax agent. Our expertise is in arranging appropriate finance to address tax obligations.
Legal settlement and court order funding
Legal settlement funding assists with meeting court-ordered payments, property settlement obligations following divorce or separation, or urgent legal fee requirements. These situations often have strict deadlines with significant consequences for non-compliance.
We assist individuals in exploring funding options secured against property, expected settlements, or other assets. Legal settlement loans can provide funds to meet court obligations while allowing time to sell property or arrange longer-term finance.
Lenders assess security available, settlement terms, and legal documentation. Clear legal advice and properly documented obligations support approval processes.
We work with lenders experienced in family law settlements, commercial disputes, and property division scenarios. Understanding the specific legal context helps position applications appropriately.
We also coordinate with solicitors to ensure funding arrangements align with legal requirements and settlement terms.
For legal advice regarding settlements and obligations, we recommend consulting your solicitor. Our role is to help explore appropriate financing options once legal requirements are clear.
Emergency personal loans
Emergency personal loans provide rapid funding for unexpected expenses including medical costs, urgent home repairs, vehicle breakdowns, legal fees, or family emergencies. These situations often require funding within 24-72 hours.
We assist borrowers in exploring fast-tracked personal loan options with lenders that support expedited processing. This includes reviewing income, employment, and existing commitments to identify realistic funding options.
Emergency personal loans may involve higher interest rates and fees due to expedited assessment. We ensure you understand total costs and repayment obligations before proceeding.
For borrowers with regular employment and good credit history, some lenders can provide approval within hours and funding within 1-2 business days. More complex situations may require longer assessment.
We also explore secured loan options where available assets can support faster approval and potentially lower rates. Vehicle equity, savings, or property can sometimes expedite the process.
Our focus is to help you access appropriate emergency funding responsibly, without creating unsustainable debt obligations.
If you're experiencing financial hardship, we recommend contacting financial counselling services for additional support and guidance.
Property settlement shortfall funding
Property settlement shortfall occurs when additional funds are needed at settlement beyond the approved loan amount. This can result from purchase price adjustments, unexpected costs, or valuation issues. Shortfalls can jeopardise settlement and result in contract default.
We assist buyers in exploring rapid funding options to cover settlement gaps. This includes top-up loans, personal loans, caveat loans, or private funding depending on shortfall amount and available security.
Most shortfall situations require resolution within 24-72 hours before settlement deadline. Speed is critical, and options may be limited by timeframe constraints.
We work with lenders and private funders that understand property settlement urgency and can provide rapid decisions. Clear documentation of the shortfall cause and amount is essential.
Where possible, we also explore negotiating extended settlement terms with vendors to allow more time for appropriate funding arrangements.
Our objective is to help you meet settlement obligations while avoiding unnecessarily expensive short-term solutions where alternatives exist.
OUR LENDING PARTNERS
Established urgent lending network
We work with major banks with expedited processing options, specialist urgent lenders, private funders, and alternative finance providers. This access allows us to support both standard fast-tracked applications and complex urgent scenarios.
Our lender relationships provide priority processing pathways and can support rapid decision-making.
We prioritise transparency and suitability, even in urgent situations.
Specialist broker for urgent finance
Urgent situations require rapid assessment and clear communication. Every urgent scenario has unique factors including timeframe constraints, funding amount, security available, and urgency drivers.
We provide immediate response to urgent enquiries, clear guidance on realistic timeframes, and proactive management throughout the application process.
Apply online
Start your urgent loan enquiry and receive priority attention from our team.
Explore options
For urgent situations, call us immediately to discuss rapid funding options.
Urgent loan specialists
Dedicated brokers managing time-critical finance applications with priority.
Frequently Asked Questions
Urgent loan situations typically involve timeframes of days or weeks rather than months. Examples include property settlement deadlines, court-ordered payments, business cash flow crises, tax obligations with enforcement action pending, or unexpected emergency expenses. We assess each situation individually to determine appropriate urgency and available options.
Approval timeframes vary significantly based on loan type, lender, documentation completeness, and complexity. Some urgent personal loans can be approved within hours. Caveat loans may be settled within 24-72 hours. Urgent home loans typically require minimum 3-7 days even with expedited processing. Complex business situations may require 1-2 weeks despite urgency. We provide realistic timeframe estimates based on your specific situation.
Urgent loans often involve higher interest rates, application fees, and costs due to expedited processing, increased lender risk, and specialised assessment. Caveat loans and private funding typically have significantly higher costs than traditional lending. We ensure you understand all costs before proceeding. Where timeframes allow, we explore standard lending options that may offer better terms.
Urgent applications require complete documentation upfront to avoid delays. Standard requirements include identification, income verification, bank statements, existing loan details, property information if applicable, and documentation of the urgent situation. We provide specific checklists based on loan type and lender. Incomplete documentation is the most common cause of delays in urgent applications.
Possibly, depending on your current circumstances, security available, and the nature of credit issues. Some urgent lenders focus more on security and repayment capacity than credit history. However, challenged credit typically limits options and may result in higher costs. We assess your situation honestly and explore available options.
Yes, many borrowers use urgent loans as temporary solutions then refinance to standard loans with better terms once timeframes allow. We can assist with planning refinancing strategies at the time of arranging urgent funding. This approach balances immediate needs with long-term financial management.
Yes, we work with businesses facing ATO enforcement action. However, these situations require immediate attention and realistic assessment. We explore funding options while coordinating with tax advisers and accountants. Not all situations can be resolved through lending alone. Early engagement and professional advice significantly improve outcomes.
We assist clients across NSW, Victoria, Queensland, South Australia, Western Australia, ACT, Tasmania, and Northern Territory. Our digital processes support nationwide urgent applications. Location does not limit our lender access for urgent situations.
For urgent situations, call us directly for immediate assessment. Alternatively, complete our online enquiry form and note the urgency in the comments section. We prioritise all urgent enquiries and aim to respond within hours. Having documentation ready accelerates the process significantly.
Yes, many borrowers use urgent loans as temporary solutions then refinance to standard loans with better terms once timeframes allow. We can assist with planning refinancing strategies at the time of arranging urgent funding. This approach balances immediate needs with long-term financial management.
Yes, we assist with property settlement shortfall funding using various options including top-up loans, personal loans, caveat loans, or family assistance structures. Settlement shortfalls require rapid resolution, typically within 24-72 hours. We explore all available options based on your circumstances.
Multiple loan applications can impact credit profiles. We minimise this by carefully assessing suitability before submitting applications and using our lender relationships to explore options without formal applications where possible. However, urgent timeframes sometimes require broader submission strategies. We discuss credit impact before proceeding.