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Funding in as Fast as 24 Hours

Equity Loans up to $2M

Unlock Your Property's Potential for Business Growth

No Repayments for 6 Months

Transform dormant real estate equity into working capital for your business. Whether you need funds for expansion, inventory, or managing cash flow — we make it happen with minimal paperwork and maximum speed.

$2M
Maximum Loan
24hr
Fast Funding
75%
LVR Available
Apply Now See How It Works
No Financials Required
Bad Credit Welcome
Australia-Wide
Response Within 60 Minutes

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    No Financials or Cashflow Records
    Bad Credit & Arrears Accepted
    No Property Valuations Needed
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      Why Breezy Equity Loans

      Business Funding Made Simple

      We've eliminated the complexity of traditional business lending. Access funds against your real estate equity without the hassle.

      Lightning-Fast Funding

      From application to funds in your account — often within just 24 hours. When opportunity knocks, you'll be ready.

      Minimal Documentation

      Skip the mountain of paperwork. We just need basic property documents and ID — no tax returns or financial statements required.

      6 Months Payment Holiday

      Capitalise interest for up to 6 months. Focus on growing your business without immediate repayment pressure.

      Flexible Exit Strategies

      Repay early with no penalties or extend your term as needed. We work with your business timeline, not against it.

      Loan Specifications

      Asset Collateral Loans Tailored for Business

      No Repayments for Up to 6 Months — Interest Capitalised

      Loan Amount

      $20,000 to $2,000,000

      Loan Term

      1 to 12 Months (Extendable)

      Residential LVR

      Up to 75%

      Commercial LVR

      Up to 70%

      Locations

      Anywhere in Australia

      Valuations

      Not Required — Saves Time & Money

      Real Estate Equity Loans Australia
      Funding Solutions

      Use Your Equity for Any Business Purpose

      From emergency cash injections to seizing growth opportunities — we fund it all.

      Business Expansion

      Scale your operations, open new locations, or enter new markets. Your property equity can fuel ambitious growth plans without diluting ownership.

      Inventory & Equipment

      Stock up on inventory for peak seasons or invest in new equipment that will drive productivity and revenue growth.

      Cash Flow Management

      Bridge gaps between receivables and payables. Keep operations running smoothly while waiting for invoices to clear.

      Tax & Debt Clearance

      Settle ATO obligations or consolidate high-interest debts into a single, manageable loan with flexible terms.

      Property Acquisition

      Don't miss out on property opportunities. Secure quick funding to close deals while arranging long-term finance.

      Business Start-ups

      Time in business doesn't matter to us. If you have equity and a solid business purpose, we'll help bring your vision to life.

      Simple Process

      Funding in 3 Easy Steps

      We've streamlined the entire process so you can focus on what matters — your business.

      1

      Submit Your Application

      Complete our straightforward online form in minutes. Provide basic details about your business needs and property. No complex financials or business plans required — just the essentials.

      2

      Quick Assessment Call

      One of our specialist loan advisors will contact you to discuss your requirements and provide conditional approval. We assess your situation, not just your credit score — so past challenges won't hold you back.

      3

      Receive Your Funds

      Once approved, we prepare your loan documents for signing. After completion, funds are transferred directly to your account — often within 24 hours. It's that simple.

      Requirements

      What You'll Need

      We've simplified eligibility so more Australian businesses can access the funding they need.

      Eligibility Criteria

      • Real estate equity — residential or commercial property in Australia
      • Business purpose for the loan (any legitimate business reason)
      • Bad credit? Not a problem — we look at equity, not credit scores
      • New businesses welcome — time in business is not a barrier
      • Loan arrears? We can still help if you have sufficient equity
      • All industries considered across Australia

      Documents Required

      • Recent mortgage statement (if applicable)
      • Rates notice for the security property
      • Photo ID for each borrower (licence or passport)
      That's it! No tax returns, no financial statements, no business plans. We believe in keeping things simple so you can get funded faster.
      Got Questions?

      Frequently Asked Questions

      Everything you need to know about our equity loans and secured business funding.

      We accept residential and commercial properties located anywhere in Australia. This includes houses, units, townhouses, commercial buildings, and vacant land. We exclude farms, large acreage properties, and contaminated sites. The property doesn't need to be in your personal name — company or trust-owned properties are also acceptable.
      We can capitalise (add) the first 6 months of interest into your loan balance. This means you don't need to make any payments for the first 6 months, giving your business breathing room to generate returns from the funds before repayments begin. After 6 months, you simply pay the interest each month until the loan is repaid.
      Absolutely. Unlike traditional lenders, we focus on the equity in your property rather than your credit history. We understand that business owners face challenges — a past default or current arrears doesn't define your future. If you have sufficient equity, we're here to help you move forward.
      We use advanced property data and assessment methods that allow us to accurately evaluate your property's worth without the delays and costs of formal valuations. This saves you time (often 1-2 weeks) and money (valuation fees can be $300-$1,000+), getting funds to you faster.
      Any legitimate business purpose is acceptable. This includes working capital, inventory purchases, equipment acquisition, business expansion, property purchases, paying suppliers, clearing tax debts, consolidating business debts, or even starting a new business venture. You have the flexibility to use the funds as your business needs.
      Yes to both! If your business generates returns faster than expected, you can repay early and save on interest — there are no early repayment penalties. Conversely, if you need more time, loan terms can be extended beyond 12 months. We're flexible and work with your business timeline.

      Ready to Unlock Your Property Equity?

      Apply now and get a response within 60 minutes during business hours. Funding available in as fast as 24 hours.

      Start Your Application
      Questions? Email us at hello@breezyloans.com.au
      Apply Now — Get Funded in 24hrs
       

      Funding Solutions for Every Business.

      Apply for $100K to $2M.

      Discover Secured Business Loans with Breezy Loans—swift financing coupled with exceptional customer service and expert loan specialists who understand your needs."

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