Short Term Business Finance
We're trusted bus and coach finance brokers, helping ABN holders, businesses and transport operators secure bus loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
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Short Term Business Finance Australia
Short term business loans provide fast access to capital for immediate business needs — a sudden cash flow gap, an unexpected cost, a time-sensitive opportunity or a bridging requirement. Loan terms typically range from 3 to 24 months, with repayments structured weekly, fortnightly or monthly.
We arrange short term business loans for businesses across all industries. Eligibility is based on your business revenue, cash flow and trading history. Most applications receive a decision within hours and funds can be available the same day for approved applications.
We handle the entire process on your behalf. This includes assessing your eligibility, selecting the right lender for your revenue and credit profile, preparing your application and managing the process through to funding. The service is completely free.
Most clients are surprised by how competitive short term business loan rates can be when we compare across multiple lenders. If you've been quoted elsewhere, send it to us and we'll review it free of charge.
Get in touch with Simon for a free, no-obligation assessment of your short term business loan options.
Benefits of Business Loans
A selection of options available for this type of finance.
What You Can Use A Business Loan For:
A selection of options available for this type of finance.
- Vehicle and equipment purchases
- Pay off tax (ATO) debt
- Working capital
- Business expansion
- Cash flow management
- Technology and software upgrades
- Buying stock and inventory
- Paying suppliers
- Staff wages and payroll
- Marketing and advertising
- Business acquisitions
- Franchise purchases
- Commercial property purchases
- Office fit-outs and renovations
- Unexpected business expenses
Can't Be Beaten On Price Or Service
Looking for the best deal on business loans? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Industries
How Every Industry Uses Unsecured Business Loans to Grow
From covering a cash flow gap to funding a major expansion, unsecured business loans give every sector fast access to capital — no property, no assets, no delay.
Transport & Logistics
Construction & Civil
Agriculture & Farming
Forestry & Logging
Mining & Quarrying
Manufacturing, Woodworking & Mechanical
Professional Services
Retail
Trades
Food & Beverage
Business Services
Disability Services
Property Services
Technology Services
Healthcare
Fitness & Recreation
What To Expect When Working With Us
Our Simple Process
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Tell Us About Your Business
Speak to Simon about your funding needs, business type and financials. We'll identify the right loan product and lender match for your situation.
- 02
Conditional Approval
We conduct a soft-touch evaluation and match you to the right lender for pre-approval. Most businesses receive conditional approval within 24 hours.
- 03
Sign Documents and Get Funded
Once approved, you'll receive your loan documents for review and signature. Funds are typically released within 1-3 business days of settlement.
- 04
On-Going Support
We stay involved after settlement, supporting you with reviews, renewals and any future funding requirements as your business grows.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Short Term Business Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
How much can I borrow for a business loan?
Business loan amounts typically range from $20,000 to $5 million or more, depending on the lender, loan type and your business financials. Unsecured loans up to $500k are available for eligible businesses.
What is an unsecured business loan?
An unsecured business loan doesn't require property or assets as security. Approval is based on business revenue, cash flow and credit profile. These are faster to approve but may carry slightly higher rates than secured options.
How fast can I get a business loan?
Same-day and next-day business loan funding is available for eligible businesses. We work with lenders who can approve and settle within hours for urgent cash flow requirements.
Can I get a business loan with bad credit?
Yes. We work with specialist lenders who consider businesses with adverse credit history. Options include secured and unsecured loans with flexible criteria. Contact us to discuss your situation confidentially.
What can I use a business loan for?
Business loans can be used for working capital, stock purchases, equipment, staff wages, marketing, tax obligations, expansion costs, bridging cash flow gaps and more. Most lenders do not restrict the use of funds.
What is the difference between a secured and unsecured business loan?
A secured business loan requires assets such as property, equipment or receivables as collateral — this typically results in lower interest rates and higher borrowing limits. An unsecured business loan is approved based on cash flow, revenue and credit profile, with no collateral required, but rates are usually slightly higher.
Can I get a business loan for a startup or new business?
Yes, subject to lender criteria. Some lenders offer startup and early-stage business loans based on the director's personal credit profile, industry experience, or the strength of contracts and purchase orders in hand. Contact us to discuss what's available for your specific situation.
What is a business line of credit?
A business line of credit gives you access to a pre-approved amount of funds that you can draw on as needed and repay over time. Interest is charged only on the amount drawn, not the full limit — making it a flexible tool for managing cash flow, unexpected costs or short-term working capital needs.
What can I use a business loan for?
Business loans can be used for working capital, equipment purchases, stock, marketing, staff costs, premises improvements, covering cash flow gaps, buying another business or any legitimate business purpose. Some lenders restrict uses — we'll confirm upfront.
Is property security required for a business loan?
No. Unsecured business loans are available up to $500,000–$750,000 for eligible businesses. Above that, a charge over business assets or property security may be required by some lenders, though specialist lenders often go higher unsecured.
How quickly can I access funds?
Unsecured business loan approvals can come through in 24–48 hours, with funds released in 1–3 business days. Some fintech lenders can fund within hours for smaller amounts.
What is the difference between an unsecured loan and an overdraft?
An unsecured loan gives you a lump sum repaid over a set term with fixed or variable repayments. An overdraft gives you access to a revolving credit line you draw on as needed and only pay interest on what you use. Each suits different needs — we'll recommend based on your cash flow pattern.
Can a start-up get a business loan?
Start-ups have access to asset finance from day one of ABN registration. Unsecured business loans are harder to access without trading history, though some lenders consider start-ups with the right profile.
What documents do I need for a business loan?
For low doc options: ABN, bank statements (3–6 months), driver's licence. For full doc: plus BAS statements, tax returns and P&L statements. We'll confirm exactly what's needed for your situation.
What interest rates apply to business loans?
Unsecured business loan rates typically range from 8%–25%+ depending on your credit profile, trading history, loan amount and lender. Secured loans attract lower rates. We compare multiple lenders to find the most competitive rate for your situation.
Can I get a business loan with bad credit?
Yes. Specialist lenders on our panel assess the full business picture — not just a credit score. A history of late payments or defaults doesn't automatically disqualify you, especially if your current cash flow is strong.
Is there a minimum or maximum loan amount?
Unsecured business loans typically range from $10,000 to $500,000. Above that, additional security or asset backing may be required. We'll confirm the right range for your situation.
Can I repay a business loan early?
Most business loans can be repaid early. Some lenders charge an early payout fee. We factor this into our comparison so you know the true cost before committing.
How do repayments work on a business loan?
Repayments are typically weekly, fortnightly or monthly — usually by direct debit from your business account. The term ranges from 3 months to 5 years depending on the lender and loan type.
Do I need to be profitable to get a business loan?
Not always. Lenders look at cash flow, not just profit. A business showing consistent revenue — even if not currently profitable — may qualify through specialist lenders who assess cash flow history.
Do I need insurance to finance the asset?
Yes. Most lenders require proof of comprehensive insurance before settlement. We recommend arranging it in advance so it doesn't delay your finance — and if you need cover, we can arrange insurance for you as part of the process.
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Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
