Short-term commercial finance · Australia-wide
Move Before the Commercial Opportunity Does
Property-backed commercial finance for urgent settlements, refinance pressure, business liquidity and non-standard transactions with a credible short-term exit.
Zip Funding assesses the purpose, security, existing debt, timing, evidence and repayment event—then identifies a short-term structure designed to solve the immediate requirement without losing sight of maturity.
Direct scenario assessment. No obligation.
Commercial and business-purpose finance only unless expressly stated. All figures are indicative and subject to lender policy, valuation, documentation and formal approval.
Transaction timelineThe exit starts on day one
01NowDefine the Requirement
Purpose + amount + date
02CreditVerify Security and Exit
Value + debt + evidence
03SettlementDeploy the Capital
Conditions satisfied
04MaturityExecute the Exit
Refinance + sale + cash flow
Indicative commercial frameworkCase by case
Maximum leverageUp to 80% LVR*
Indicative amount$250K–$50M+*
Indicative term1–36 months*
CoverageAustralia-wide
PurposeGenuine business or commercial
SecurityEligible Australian property
EvidenceFull, low or alternative doc*
Credit profileAssessed in context
Core requirementCredible exit strategy
Where short-term commercial finance fits
A temporary facility should solve a defined commercial timing problem.
The strongest requests have a clear purpose, a known deadline and an exit that can realistically occur inside the facility term.
01 · SettlementUrgent Acquisition
Complete a commercial property, business or asset transaction where the opportunity cannot wait for a conventional credit process.
02 · MaturityRefinance Pressure
Replace an expiring, called-up or unsuitable facility while a sale, permanent refinance or restructuring is completed.
03 · LiquidityWorking Capital
Fund stock, payroll, suppliers, contract mobilisation or a defined operating requirement using acceptable property security.
04 · PropertyRepositioning
Bridge vacancy, leasing, renovation, subdivision, sale preparation or another value-improvement phase with a defined outcome.
05 · ObligationsTax or Creditor Position
Selected lenders may consider a structured payout where the new facility creates a credible commercial improvement.
06 · Non-standardComplex Credit
Alternative documentation, credit events, unusual security or time pressure may be considered when the complete transaction remains supportable.
Exit-first underwriting
Approval solves settlement. The exit solves the loan.
A short-term loan is only as strong as the repayment event. Lenders test when it should occur, what evidence supports it and what happens if the original timing slips.
RefinancePermanent bank or non-bank facility after stabilisation or document completionEvidence required
Property saleExecuted contract, active campaign, agent evidence and a realistic net-sale positionTime tested
Settlement proceedsContracted receivable, business sale, insurance, legal or other verifiable proceedsAmount tested
Business cash flowHistorical and forecast capacity aligned to the interest and principal scheduleCapacity tested
Backup exitA second realistic path if timing, valuation or the primary event changesRisk reduced
An intention is not evidence. Timing, net proceeds, approvals, market conditions and refinance policy all matter.
Gross approved facilityFacility limit
Less existing lender payoutCurrent debt
Less retained or prepaid interestTerm cost
Less establishment, valuation and legal costsTransaction costs
Indicative net funds availableUsable capital*
The number that matters
Gross approval is not the cash received.
A facility can meet LVR policy and still fail the commercial purpose if payouts, interest and costs leave insufficient net funds.
- Confirm the exact amount required at settlement.
- Include every existing payout, caveat and statutory claim.
- Understand retained interest and minimum-interest provisions.
- Review legal, valuation, establishment and discharge costs.
- Keep enough headroom for a realistic facility term.
Illustrative only. Proposed deductions and net funds must be confirmed in the lender’s terms and settlement statement.
Indicative product matrix
Commercial pathways at a glance.
A practical starting point for comparing structures—not an offer, approval or guarantee of maximum terms.
PathwayIndicative positionWhat strengthens itWhat can reduce it
Commercial bridgeShort-term purchase, settlement or refinance against acceptable property*Strong asset, clear deadline and evidenced refinance or saleUncertain value, incomplete documents or unsupported exit
Property-secured liquidityWorking capital or defined business expenditure using usable equity*Genuine purpose, sufficient net funds and repayment capacityVague use of funds or new debt that postpones an unresolved problem
Lease / occupancy transitionBridge vacancy, fit-out, leasing or stabilisation before permanent finance*Leasing evidence, holding capacity and realistic stabilised valueSpeculative tenant assumptions or insufficient interest headroom
Complex credit refinanceSelected arrears, defaults, tax debt or non-standard documentation*Full disclosure, property equity and a credible improvement planUndisclosed claims, repeat arrears or no sustainable exit
Second mortgage / caveatSelected supplementary security positions where legally acceptable*Low combined leverage, priority clarity and short evidenced exitFirst-lender restrictions, all-monies clauses or disputed priority
*Indicative only. Up to 80% LVR applies only to selected qualifying scenarios; many commercial transactions have lower maximums. Amount, term, pricing, evidence and timing vary by property, purpose, borrower, exit and lender policy.
What lenders assess
Urgency changes the process. It does not remove credit judgment.
PurposeUse of Funds
Every material dollar should have a genuine, lawful and commercially supportable purpose.
SecurityValue & Marketability
Property type, location, condition, title, occupancy, accepted value and realisation period influence leverage.
PriorityExisting Debt
Mortgage balances, arrears, interest, caveats, tax claims, consent and priority requirements are confirmed.
EconomicsNet Funds
The gross facility must produce enough usable capital after payouts, retained interest, fees and legal costs.
BorrowerCapacity & Conduct
Business position, income evidence, assets, liabilities, credit events and operator capability are considered.
TimingSettlement Readiness
Valuation, documents, legal work, first-lender requirements and outstanding conditions affect achievable timing.
ExitRepayment Evidence
Refinance, sale, settlement proceeds or business cash flow must fit the amount and realistic facility term.
DownsideBackup Plan
Interest headroom, extension risk and an alternate exit matter if the primary strategy takes longer.
Cost and risk, explained upfront
Short-term flexibility is valuable only when the commercial outcome justifies it.
Compare the complete facility economics with the cost of missing the transaction, and understand the property consequences if repayment is delayed.
Complete costReview interest, establishment or brokerage fees, valuation, legal work, searches, registration, discharge, extension and default provisions.
Realistic termA cheaper six-month facility can be worse than a correctly priced twelve-month facility if the true exit cannot occur inside six months.
Property at riskWhere property security is taken, default may lead to enforcement and sale. Borrowers should understand this before commitment.
Not a permanent fixShort-term debt should not fund an unresolved structural loss, an unsupported property value or an exit that depends only on optimism.
Information that improves the answer
A concise, complete file receives a faster and clearer credit response.
Transaction & security
Start with the information that establishes the deadline, property position and amount required.
- Purpose and exact amount
- Required settlement date
- Property address and type
- Estimated value or valuation
- Current debt statements
- Caveats and other claims
- Contract or payout evidence
- Proposed refinance or sale
Borrower & repayment
The evidence pathway may be full-doc, lease-doc, low-doc or private credit depending on the transaction.
- Entity and ownership structure
- Financial statements or BAS
- Business bank statements
- Assets and liabilities
- Lease or contract income
- Credit-event explanation
- Exit timing and evidence
- Backup repayment strategy
Assessment pathway
From commercial deadline to controlled exit.
01Define the Requirement
Provide the purpose, amount, date, property, debt, credit position and intended exit.
02Test the Credit Position
Accepted value, leverage, evidence, net funds, interest headroom and exit timing are mapped.
03Review Indicative Terms
Facility, net funds, pricing, conditions, valuation and legal requirements are compared.
04Settle and Manage the Exit
Once conditions are satisfied, the facility settles and the agreed repayment plan becomes active.
T → ETiming to exit
Why Zip Funding
We structure the deadline and the exit as one transaction.
Rather than treating urgency as the whole credit story, Zip Funding prepares the property, debt, purpose, evidence, net funds and repayment position for funding sources whose mandate fits the actual risk.
Direct scenario assessmentPrivate and non-bank pathwaysAlternative evidence consideredCredit issues assessed in contextAustralia-wide lender relationshipsClear costs before commitment
Frequently asked questions
Short-term commercial finance, explained clearly.
What is a short-term commercial loan?
Business or commercial-purpose finance generally used for a defined temporary requirement and repaid through refinance, property sale, settlement proceeds, business cash flow or another evidenced exit.
What LVR may be available?
Up to 80% LVR may be possible for selected qualifying scenarios. Many commercial properties, locations and security positions have lower maximums.
How much can be borrowed?
Indicative facilities may range from approximately $250,000 to $50 million or more, depending on accepted security, total debt, purpose, borrower, evidence and exit.
What terms are available?
Terms are commonly between 1 and 36 months. The selected term should allow enough time for the realistic exit, including reasonable delays.
How quickly can finance settle?
Timing depends on valuation, documents, legal requirements, existing lenders, security priority and lender capacity. Urgent complete files can be prioritised, but timing is not guaranteed.
Are low-doc or alternative-documentation options available?
Selected lenders may consider bank statements, BAS, leases, contracts, valuations, accountant information and other evidence where full current financial statements are unavailable.
Can adverse credit or tax debt be considered?
Yes, in selected scenarios. The cause, current position, property equity, use of funds and credible improvement or exit are assessed together.
Can an existing first mortgage remain?
Potentially. A second-mortgage or selected caveat structure may be considered subject to combined leverage, consent, priority, security and exit.
Can interest be capitalised or retained?
Potentially, where there is sufficient facility headroom. The retained interest reduces net funds and must be calculated over a realistic term.
What property can be used as security?
Selected commercial, industrial, retail, mixed-use, development, rural or acceptable residential property may be considered, depending on lender policy and purpose.
What costs should be considered?
Costs may include interest, establishment or brokerage fees, valuation, legal expenses, searches, registration, discharge, extension and default costs.
What makes an exit credible?
A credible exit has a realistic date, adequate net proceeds, supporting evidence, required approvals and a backup plan if the original timing changes.
Commercial finance desk
The deadline matters. The exit makes the transaction fundable.
Share the security, numbers, date and repayment plan. We will explain which short-term commercial pathways may be realistic and what evidence is needed next.
