Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm

Short-Term - 1 Month to 12 Months

Short-Term Business Loans
3-12 months, settle in days

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Bridging a cash-flow gap, finishing a project when the construction loan has run dry, buying stock for a big season, or paying out an ATO debt - short-term facilities fund in days when a traditional loan would take weeks.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Sydney business owners who need capital fast and have an exit strategy (sale of property, settlement, lender refinance, major invoice landing).

Builder or developer who needs to finish a project while the construction loan is drawn out
Business owner needing to pay out an ATO debt before it becomes a Director Penalty Notice
Property owner bridging between settling the new one and selling the old one
Owner needing a 90-day caveat loan while a longer facility is being approved
Importer needing stock for a big sales period, with payment back on invoice settlement
Buyer of a business who needs to settle quickly and refinance later

The real challenge

A traditional bank loan takes 4-8 weeks for commercial. If you need cash in 7 days to finish a build, settle a purchase or pay out the ATO before enforcement, that timeline doesn't work.

Short-term lenders (private credit, non-bank commercial, caveat specialists) fund in 3-10 days with simpler documentation and higher pricing. The key: a clear exit strategy. Short-term lenders don't want to be your long-term lender - they want to be out in 3-12 months on a specific trigger (property sale, refinance to a bank, major invoice settlement).

How Mortgagefy helps

Private credit panel. We work with specialist short-term lenders who routinely fund in 5-10 days against caveat, second mortgage or first mortgage security.
Clean exit plan. We help you frame the exit so credit teams approve - a signed sale contract, an unconditional refinance offer, or a scheduled major receivable.
Honest cost comparison. Short-term pricing (typically 1-2% per month plus fees) is high. We tell you what it will cost total, so you decide with full numbers in front of you.
Protection against rollover trap. We flag the hard-exit date and plan the refinance 30-60 days before expiry so you're not forced into a worse facility.

Need to model repayments first? Try our Sydney loan calculators for an indicative figure.

How it works

Fast call

15 minutes to understand the amount, timing, security available, and exit strategy.

Term sheet

We aim to come back quickly with 1-2 indicative term sheets from short-term lenders.

Documentation

Compact file - security details, exit evidence (contract, offer, invoice schedule), ID.

Settlement

Funds typically available 5-10 business days from term-sheet acceptance.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

How fast can a short-term business loan settle?

5-10 business days typical, from term-sheet acceptance to funds. Simpler files against clean security (first mortgage over a residential property) can settle in 3-5 business days.

What does a short-term loan cost?

Pricing is typically 1-2% per month (12-24% p.a. equivalent) plus establishment fees of 1-3%. Caveat loans and higher-LVR facilities price higher. We'll show you the full dollar cost upfront - this is the right product only when the exit is clear and the alternative (lost deal, ATO enforcement) is more expensive.

What security do short-term lenders need?

Options: first mortgage over property (usually priced sharpest), second mortgage behind an existing lender (middle pricing), caveat (highest pricing, limited LVR). Unsecured short-term is rare and prices very high.

What's a caveat loan?

A caveat loan is secured by a caveat lodged over property you already own with an existing mortgage. The caveat gives the lender notice-of-interest priority. Typically short-term (3-6 months), lower LVR than a mortgage, higher pricing. Good for fast cash with no need to subordinate the first mortgage.

Do I need an exit strategy?

Yes - every short-term lender requires evidence of how you'll repay. Common exits: sale of a property (signed contract), refinance to a bank (unconditional offer), scheduled large invoice settlement, or completion of a project freeing up residual stock.

Can I use short-term to finish a residential construction project?

Yes. If your construction loan is drawn out and you need $100k-$600k for 1-3 months to finish the build (and then refinance to a standard home loan), a short-term facility is the typical solution. See our Business Loan to Finish Home Construction page.

Will the ATO accept a short-term loan to clear a debt?

Yes - a short-term facility used to clear an ATO debt before a Director Penalty Notice is a common and legitimate exit path. Act before the DPN lands, not after.

Get your free short-term finance assessment

5-10 day settlements. 3-12 month facilities. We match you to the right private credit or non-bank lender with a clean exit plan.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loan to Finish Home Construction

The specific scenario when the construction loan runs out.

Business Loans Sydney

Longer-term business facilities for working capital and expansion.

Development Finance Sydney

Site, construction, residual stock finance for developers.

Working Capital Loan

Overdraft, invoice finance and line of credit alternatives.

Low Doc Business Loan

Alt-doc business loans for self-employed borrowers.

Commercial Property Loans Sydney

Longer-term commercial RE finance (what you refinance into).

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Short-Term Business Loans3-12 months, settle in days