Compare Short-Term Finance Options

Compare Short-Term Finance Options in Australia

We’re not a lender. We explain how short-term finance works, outline fees and trade-offs, and connect you with licensed providers that fit your needs

What Short-Term Finance Really Means

Short-term finance is a 3–24 month loan designed to cover urgent funding needs. It’s commonly used for property bridging, partner payouts, urgent tax bills, or business cashflow gaps. Unlike bank loans, these are based on security and exit strategy — how the loan will be repaid when funds become available.Terms: usually 3–24 monthsSecured: typically against propertyCosts: higher than banks, but fast approvalExit: sale, refinance, or timed funds

When Short-Term Finance Makes Sense

🏠 Bridging loans when selling propertyAccess short-term funds to cover the gap between selling your current property and settling on a new one.💼 Business cashflow or ATO obligations
Short-term finance can help businesses manage urgent cashflow needs or meet ATO tax deadlines💔 Paying out a partner or divorce settlement
Use short-term funding to settle financial obligations quickly without delaying agreements📉 Declined by banks, exploring alternativesWhen traditional banks say no, alternative finance options may still provide a solution.

Understanding the Costs of Short-Term Finance

  • Short-term finance can be a useful tool when you need funds urgently, but it’s important to understand how the costs work before committing.

  • Set-Up Fees 💰

  • Many lenders charge a one-off set-up or establishment fee at the beginning of the loan.

  • These can sometimes be a large cost upfront, but after that, repayments may be simpler.

  • Monthly Interest (Compounded) 📅

  • Other lenders prefer a month-to-month model where interest compounds if the loan isn’t repaid quickly.

  • This structure avoids a high upfront fee but can become more expensive the longer you hold the loan.

  • The Trade-Off ⚖️

  • It’s a balance: higher upfront costs vs. ongoing compounding interest

  • The best option depends on your personal situation and how soon you plan to repay.

We don’t provide loans directly. Instead, we help you understand the options and connect you with licensed providers so you can compare and choose what works best for your needs.

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Get Connected

We don’t provide loans directly. Instead, we educate you on how short-term finance works, what costs to look out for, and what lenders may require.
When you’re ready, we connect you with licensed providers so you can compare and choose what works best for your situation

Still Have Questions?

Have questions or want to discuss your situation? Our team is available 24/7 to help point you in the right direction.📧 Email us anytime: [email protected]We aim to respond within 24 hours.