A Business Cashflow Loan provides short-term capital to fund operating needs, growth, or one-off obligations. At Commercial Property Funding, the facility is secured against real property - which makes assessment faster, more flexible, and less dependent on the kind of detailed financial review a bank requires.
Rather than working through tax returns, BAS statements, and rolling serviceability tests, we focus on the property securing the loan, the deal structure, and a clear exit. That makes the product well-suited to property-backed business owners, company directors, and investors who have equity tied up in real estate but need capital to move quickly.
Compared to conventional business lending, a property-secured cashflow loan is faster to assess, doesn't require refinancing of existing facilities, and can sit behind a bank loan as a second mortgage. Funds are typically used for short windows - weeks to months - and repaid from a defined exit, such as a sale, refinance, or business event.
Access working capital without selling business assets Keep existing bank facilities in place - no refinancing required Available as a 1st or 2nd mortgage against eligible property Asset-led assessment - no full financials or serviceability test No monthly debt servicing - interest can be capitalised Fast settlement when the timing is critical to the business
Cover the upfront cost of a new project, contract, or stock order - using property equity to bridge the gap until revenue lands.
Clear a one-off liability - BAS, GST, or year-end tax - without disturbing existing bank facilities or selling assets to do it.
Cover a short-term gap between expenses and receivables - with a defined exit through a sale, refinance, or upcoming income.
Move quickly on an off-market acquisition, equipment purchase, or strategic deal that won't wait for a conventional approval.
Submit your scenario for assessment or speak with our team about funding your business against real-property security.
Funding solutions designed for property developers, investors, and business owners across Australia.
