FinanceFlow | Private & Commercial Lending Specialists Australia
No credit check to enquire

Finance for businesses
banks won't help

FinanceFlow are settlement experts — private and investor-backed lending for Australian businesses. Secured loans using property as security can almost guarantee fast settlement. Funding from $100K up to $50M.

Find my loan → Call us now

Checking your options won't affect your credit score

Our track record
$100M+
Capital deployed to date
$50M
Max single loan – up to
48–72hr
Funds deployment
100+
Businesses funded
  • No recent tax returns or BAS required
  • Bank declines and adverse credit welcome
  • Private & investor-backed — not bank policy
  • Funds deployed in as little as 48–72 hours
  • Secured loans can almost guarantee quick settlement
★★★★★
Google Reviews
$100M+
Capital deployed to date
24hr
Typical funds approval
100+
Businesses funded
$50M
Maximum loan size
Takes 60 seconds

Find the right loan for you

Answer a few questions and we'll be in touch with the right solution

Step 1 of 8 — Loan type
What type of finance are you looking for?
We collect your basic contact details (name, email, phone number and postcode) at the initial enquiry stage so we can review your situation and contact you regarding potential eligibility.
Additional information — such as business details, security address, financial position and existing debt — is only requested after you complete your loan type questions and we speak with you to assess your initial responses. No credit check is conducted at the enquiry stage. We only ask for your details after the survey so we can confirm eligibility. No credit check to enquire.
What we offer

Choose your loan type

From business lending to property finance — we have solutions across every category.

Business loans
  • Fast working capital
  • Bank declined? We can help
  • Equipment & asset finance
  • Low doc options available
Home loans
  • Buy your first or next home
  • Refinance for a better rate
  • Low doc home loans
  • Reduce the impact of rising rates
Construction loans
  • New builds & land + build
  • Development finance
  • Progress draw facilities
Investment loans
  • Residential investment
  • Commercial property
  • Portfolio lending
SMSF loans
  • Residential SMSF property
  • Commercial SMSF property
  • SMSF refinancing
Debt consolidation
  • Combine multiple debts
  • Lower your repayments
  • Secured consolidation
Repayment calculator

Estimate your repayments

Get a rough idea before speaking to a specialist. Adjust the sliders to match your scenario.

Important: These figures are estimates only and are for illustrative purposes. Actual rates and repayments will depend on your individual circumstances. Contact us for a personalised assessment.

Loan amount$500,000
Repayment calculation method
Mortgage (P&I): Standard principal & interest repayments using the mortgage amortisation formula — the same method used by other lenders and mandated by ASIC's MoneySmart guidelines.
Loan term5 years
Interest rate (p.a.)8.5%
Monthly repayment
$10,160
Total repayment
$609,600

Estimate only. Calculated on a principal & interest (P&I) basis using the standard mortgage amortisation formula — the same method used by Australia's major lenders and mandated by ASIC's MoneySmart guidelines. Does not include establishment fees, ongoing fees, or charges. Actual repayments will vary based on your lender, loan type, and individual circumstances.

Why us

Why businesses choose FinanceFlow

Especially when traditional lenders have said no.

Settlement experts — fast turnaround
FinanceFlow specialises in fast settlement. Funds deployed in 48–72 hours for approved borrowers. Secured loans backed by property can almost guarantee quick settlement.
No tax returns required
Our low doc options are built for businesses without up-to-date financials, BAS statements, or clean records.
Bank declined? We still can
Adverse credit history, previous declines, or servicing issues — our private lending model looks at the full picture.
Private & investor-backed
Not constrained by bank policy. Our capital comes from private and investor sources, giving us genuine flexibility.
Specialist broker network
Access to exclusive private lenders not available through standard brokers. We open doors others can't.
Funding from $100K to $50M
Whether you need $100K for working capital or $50M for a major project, we have the scale and connections to deliver.
FAQ

Common questions

Answers to what most people ask before they call.

Will checking my options affect my credit score?
No. Your initial enquiry — whether by phone, email, or our online form — does not trigger a credit check. We only access your credit file if you decide to proceed with a full application.
I've been declined by a bank. Can you still help?
Yes — this is exactly what we specialise in. Our private and investor-backed funding model means we're not bound by the same rigid criteria as traditional lenders. A bank decline doesn't close the door with us.
How fast can I access funds?
In many cases, approved borrowers receive funds within 48–72 hours of completing documentation. Secured loans — where property is used as security or collateral — can almost guarantee fast settlement. Larger or more complex deals may take a little longer, but we always move at the speed your situation requires.
What if my financials aren't up to date?
We offer low-doc lending options specifically designed for businesses without recent tax returns, BAS statements, or clean financial records. Talk to us — we assess each situation individually.
What types of security do you accept?
We work with a range of security types including residential, investment, commercial property, and more. Our specialist team will identify the most appropriate structure for your situation.
Do you charge fees to find out my options?
No. There's no cost or obligation to call us, email us, or explore your options. We only discuss fees if you proceed with a formal application. We do have specialist partners who do require an engagement service fee upfront for loans under $100K. All fees are disclosed clearly upfront.

Ready to explore your options?

No credit check. No commitment. Just a conversation with a specialist who actually listens.

Call 0483 916 632 Send an email

Our phones run hot, if we miss your call, we're likely deep in negotiations with our private investors,
reviewing deals, or helping another business owners get funded.
We'll return your enquiry (phone or email) as soon as we come up for air — usually within a few hours.