hello@breezyloans.com.au
Funding in as Fast as 24 Hours

Equity Loans
up to $2 Million

Unlock Your Property's Potential — Business Capital When You Need It Most

No Repayments for 6 Months

Transform dormant real estate equity into working capital. 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

Get Your Equity Loan Now

Under 3 minutes — No credit score impact

1
Loan
2
Business
3
You
4
Property

Please fix:

    Loan Details
    Loan amount is required (between $50K–$2M).
    Please select a loan term.
    Please describe the loan purpose.
    Business Details
    Business name is required.
    Please select time trading.
    ABN must be 11 digits.
    Industry is required.
    Your Details
    First name is required.
    Last name is required.
    A valid email is required.
    Phone number is required.
    State is required.
    Please select.
    Property Security
    Please select a property type.
    Property value is required.
    Current debt is required.
    SSL Encrypted
    Privacy Protected
    No Credit Impact
    Australian Credit Licence Holder
    No Financials or Cashflow Records
    Bad Credit & Arrears Accepted
    No Property Valuations Needed
    Start Your Application

    Apply Now for Fast Funding

    Complete this form to get your loan application started.

    1
    Loan
    2
    Business
    3
    Owner
    4
    Security
    5
    Review

    Please correct:

      Loan Information
      Loan amount is required.
      Please select a loan term.
      Purpose is required.
      Business Information
      Business name is required.
      Please select.
      ABN must be 11 digits.
      Industry is required.
      Owner Information
      Please select.
      First name is required.
      Last name is required.
      A valid email is required.
      Phone is required.
      State is required.
      Security Information
      Please select a property type.
      Property value is required.
      Existing debt is required.
      Review Application
      SSL Encrypted
      Privacy Protected
      No Credit Impact
      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
      24hrs
      Average Funding Time
      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.

      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.

      Loan Purpose Insights

      Fund Any Business Purpose

      Our equity loans are approved for a wide range of business needs. Here's how Australian business owners are putting their property equity to work.

      How Borrowers Use Their Equity
      % share of approved loan purposes
      Top Industries Applying
      Applications by business sector
      Loan Amount Distribution
      Number of approvals by loan size range
      24hrs
      Average time from application to funding
      94%
      Application conditional approval rate
      6mo
      No repayments payment holiday available
      All AU
      Funded across every Australian state & territory
      Traditional Lender vs Breezy Equity Loan — Application Comparison
      Average days taken for each stage of the process
      Based on typical timelines. Breezy Loans uses desktop valuations and streamlined documentation — saving borrowers an average of 3–4 weeks versus major banks.
      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 — 24hr Funding
       

      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."

      Check Eligibility