Fast business loans · $20k to $5 million
Business funding in as little as 24 hours.
Private business loans secured by property: first mortgages, second mortgages and caveats. Cash flow lender said no, or won't lend enough? If you have equity in real estate, 24 Hour Finance can fund you in as little as 24 hours.
- $20k – $5m for business purposes
- No valuations
- Up to 6 months no repayments
- No credit check to enquire
Three promises that don't clock off
No credit check to enquire
Sending an enquiry at midnight leaves your credit file untouched. A credit check only comes up once you choose to go ahead.
No spray-and-pray
Your details go to one team, not a list of lenders. No flood of calls on Monday morning from people you never asked to hear from.
A real person picks it up
A lending specialist reads what you wrote and calls you. Honest, accurate answers on the form mean the right option comes up first time.
When the cash flow lenders say no
Your property equity can do what your bank statements can't
Cash flow lenders lend a slice of your monthly turnover and decide in seconds from your statements. A slow quarter, an ATO debt or another lender's daily debits and the answer is no, or far less than you need. If you own residential or commercial property, a private business loan is decided on your equity instead: $20k to $5 million, no valuations, and funds in your account in as little as 24 hours.
Declined by a cash flow lender
Why the algorithm said no, and how property-secured lending looks at your situation instead.
Read more →Won't lend more, or enough
Hit the turnover cap or the no top-up rule? Borrow on equity, up to $5 million.
Read more →Too many daily debits
Pay out stacked cash flow loans with one loan and up to 6 months of no repayments.
Read more →Second mortgage business loans
Keep your home loan where it is and borrow against the equity behind it.
Read more →First mortgage business loans
Debt-free property? Turn it into fast funding, and refinance to a bank later.
Read more →Caveat loans
The fastest way to secure a loan against property in most states.
Read more →The honest version
What works at 2am, and what waits for a business day
Plenty of finance sites promise money "any time". Here's the truth about how Australian banking behaves after dark, so you can spend tonight on what actually helps.
Works tonight
- Sending your 60-second enquiry
- Downloading bank statements from internet banking
- Pulling a statement from ATO online services (outside planned maintenance)
- Finding your rates notice and mortgage statements
- Writing down the purpose and how it gets repaid
- Fast NPP payments like Osko and PayID, subject to your bank
Waits for a business day
- A lending specialist's review and first call
- Solicitors and signing
- Property settlements, which run through RITS on business days
- BPAY made on a weekend or public holiday
- Most lenders' release of loan funds
- Anything that needs a bank branch or a titles office
The detail, system by system: weekend bank transfers, BPAY on weekends and why property can't settle on a Saturday.
Find your situation
Fast loans, and help at any hour
Fast business loans
Private business loans from $20k to $5 million secured by property: first mortgages, second mortgages and caveats. The fast answer when a cash flow lender has said no, won't lend enough or won't lend any more.
All fast business loans pages →Fast business loans by state
Property-secured business loans from $20k to $5 million in every state. How the security works where your property is, from caveats in Victoria, WA, SA and Tasmania to second mortgages in NSW and Queensland.
All by state pages →Business finance after hours
Weeknights, Friday nights, weekends, public holidays, Easter and Christmas. What happens to an enquiry sent at each of those times, and how to use the hours before the next business morning.
All after hours pages →Ready by morning: what to prepare overnight
Everything on this list can be done at the kitchen table after dark. Get it done tonight and the first business-hours conversation is about your options, not missing paperwork.
All prepare overnight pages →How money moves after hours
Some payments move at 2am on a Sunday. Others wait for a banking business day. Here's which is which, explained plainly for business owners.
All money after hours pages →It happened after hours
Payroll that won't cover Monday, a supplier who's stopped your account, a machine that died on Saturday. Calm, practical first steps for problems that arrive after the office has closed.
All it happened tonight pages →How it works
From 11pm enquiry to a morning call
The form works while you do. The people work business hours, and they start with what you sent overnight.
- 11pm
You enquire
About 60 seconds on any device. No credit check, no obligation, and no auto-dialler waiting to pounce.
- Overnight
You get ready
Statements, ID, property papers and three lines on the purpose. Everything on the list can be done at home after dark.
- Morning
A real person calls
A lending specialist reads your enquiry and rings during business hours to talk through what's realistic.
- Then
Documents and funding
Only once you choose to go ahead. With property security, funds can be in your account in as little as 24 hours.
Your next 24 hours
Enter the day and time you're enquiring, what's going on and what you have. Get a plan for tonight, overnight and the morning, plus a heads-up if your deadline lands before the banks reopen.
Build my plan → Quick checkReady-by-morning score
Tick the documents you have. See your score and the after-hours way to find what's missing.
Check my paperwork →
Guides
Reading for the small hours
Due dates that land on weekends, month-end debits, public holiday wages and how to tell a real lender's call from a scam.
When a due date falls on a weekend or public holiday: what actually moves
BAS, Payday Super, BPAY and invoice due dates on a weekend or public holiday: which move to the next business day, which don't, and the interstate holiday rule.
Read the guide → Staff and wagesPublic holiday wages: how to plan the cash before the holiday hits
Public holidays change your wage bill whether you open or close. How to estimate the cost, time pay runs around closed banking days and keep super on time.
Read the guide → Staying safeReal lender call or a scam? How to tell, especially late at night
A call or text about a business loan you did or didn't apply for? Simple checks to tell a genuine lender from a scam, and what a real first call is like.
Read the guide → Cash flowWhen month-end lands on a weekend: debits, rent and the Monday pile-up
When month-end falls on a weekend, debits, rent and repayments can bunch up on one business day. How to see the pile-up coming and keep the account covered.
Read the guide → DecisionsThinking about borrowing at midnight? Ten questions to answer first
Late-night worry makes every problem look like a loan problem. Ten honest questions to answer before you enquire, so any finance actually fixes the issue.
Read the guide → Cash flowCash flow for weekend-trading businesses: busiest when the banks are closed
Markets, cafés, events and trades earn most on weekends, when banks are shut. How to line up takings, wages, stock and bills with a Monday-to-Friday system.
Read the guide →After-hours questions, answered
How fast can I get a business loan?
With property security and your documents ready, approval can come within the hour and funds can be in your account in as little as 24 hours. A lending manager usually calls within 30 minutes of your enquiry during business hours.
How much can I borrow?
From $20k to $5 million, secured by residential or commercial property using a first mortgage, a second mortgage or a caveat. No valuation is needed before approval.
A cash flow lender declined me. Can you still help?
Often, yes. Cash flow lenders decide on your bank statements. If you have equity in property, a private business loan is decided on that equity, your purpose and how the loan gets repaid. Past credit issues and ATO debt are considered case by case.
Do I have to make repayments straight away?
No. You can have up to the first 6 months with no repayments, with the interest added to the loan. You can also repay early at any time, or extend without penalties.
Can I apply for a business loan at night or on a weekend?
Yes. The enquiry form is open around the clock and takes about 60 seconds. It's read by a real person when the working day starts, so an enquiry sent at 11pm or on a Sunday is waiting at the front of the queue on the next business morning.
Will someone call me in the middle of the night?
No. We won't ring at midnight. A lending specialist reads your enquiry and calls during business hours on the next business day. Keep your phone nearby in the morning, because the call may come from a number you don't recognise.
Does enquiring after hours affect my credit score?
No. There's no credit check when you first enquire, at any hour. A credit check is only discussed once you've talked through the options and decided to go ahead.
Can loan funds reach my account on a weekend?
Rarely. Fast payments over the New Payments Platform run 24/7, but lenders generally approve and release loans in business hours, and property-secured loans settle through the Reserve Bank's RITS system, which is closed on weekends and national public holidays. Plan on funds arriving on a business day.
What should I prepare overnight?
Six months of business bank statements, photo ID for every director or owner, a few lines on what the money is for and how it gets repaid, and — if you own property — the latest rates notice and mortgage statement. If there's tax debt, a current statement from ATO online services.
Will my details be passed around to lots of lenders?
No. Your enquiry goes to one team who look at your situation and match it properly. You won't wake up to a string of calls from companies you've never heard of.
More answers on the FAQ page, or send your enquiry and ask a real person.
It's late. Send it anyway.
Sixty seconds tonight means your situation is first in line tomorrow. No credit check when you first enquire, no spray of your details, and a real person who calls.
No credit check to enquire
No spray-and-pray
A real person picks it up