Business Lending Solutions
Short-term funding to power your business forward.
What is a short-term business loan secured by property and who is it for?
A short-term business loan secured by property is a loan of 1 to 24 months, backed by a registered first mortgage over Australian real estate, used for a business or commercial purpose. It suits companies, trusts, partnerships and sole traders who need funds quickly and have a clear way to repay, such as a refinance or a sale.
Astro Capital Finance uses these loans for urgent property settlements, business bridging, cash flow and working capital, ATO and tax debt, and acquisitions. More than 50% of the funds must go to business or commercial use. We do not provide consumer loans or owner-occupied home loans.
Key facts
- Loan size
- $50k to $5M (larger loans considered by exception)
- Security
- Registered first mortgage over residential, commercial or industrial property, or land
- Term
- 1 to 24 months
- LVR
- Up to 75% on metro residential; up to 65% on commercial, industrial and land; regional assessed case by case
- Speed
- Approval in as little as 3 hours, settlement in as little as 72 hours, subject to assessment
- Where
- Australia-wide, excluding the Northern Territory
- Purpose
- Business purposes only
Which Astro product fits which situation
| Your situation | Best fit | What it funds |
|---|---|---|
| Bank finance fell through or settlement is days away | Urgent settlement finance | The balance needed to complete a business or commercial property settlement |
| ATO debt, a director penalty notice, a garnishee or BAS/PAYG arrears | ATO tax debt funding | Payout of ATO debt in one payment, as part of managing business cash flow |
| Working capital, stock, an acquisition or another business need | Private mortgage finance | Working capital, stock, equipment, acquisitions and other business purposes |
| Funds needed now ahead of a known sale or refinance | Business bridging finance | Short-term funds repaid from the sale or refinance |
| Completed but unsold units, townhouses or lots | Residual stock finance (up to 70% LVR) | Repaying construction finance or releasing equity while the stock sells; repaid from sales or a refinance |
| A partly built project that needs funds to finish | Incomplete construction finance (up to 75% LVR residential, 65% commercial and industrial) | Finance to complete a partly built project, secured by first mortgage over the site; repaid by sale or refinance on completion |
Every product is business purpose only, secured by a registered first mortgage and subject to assessment.
A Smarter Approach to Business Lending
Whether your business needs urgent capital for a property settlement, cash flow support to bridge a gap, or assistance managing an ATO obligation, Astro Capital delivers fast, flexible funding that traditional banks simply can't match.
Loan range (larger by exception)
Settlement in as little as, subject to assessment
Loan Terms
Max LVR, metro residential
Why Choose a Private Lender?
Tailored Business Finance Products
Urgent Settlements
Time-critical property transactions need a lender who can move fast. Settle at auction, acquire a commercial asset, or complete a transaction with a tight deadline, in as little as 72 hours, subject to assessment.
Cash Flow & Working Capital
Keep your business moving with short-term cash flow solutions. Bridge the gap between receivables and payables, fund growth, or access capital while waiting for longer-term finance.
Tax & ATO Obligations
Manage ATO debt before it escalates. Consolidate tax obligations, negotiate payment plans from a position of strength, and avoid costly consequences of unresolved tax debt.
Our Process
Get In Touch
Reach out via phone, email, or our online form.
Quick Quote
Receive an indicative quote tailored to your scenario.
Apply
Submit your application with supporting documents.
Assessment
Our credit team reviews your scenario and security.
Approval
Receive a letter of offer, in as little as 3 hours, subject to assessment.
Mortgage Documents Issued
Our solicitors prepare and issue loan documentation.
Settlement
Funds are disbursed in as little as 72 hours, subject to assessment.
Get In Touch
Reach out via phone, email, or our online form.
Quick Quote
Receive an indicative quote tailored to your scenario.
Apply
Submit your application with supporting documents.
Assessment
Our credit team reviews your scenario and security.
Approval
Receive a letter of offer, in as little as 3 hours, subject to assessment.
Mortgage Documents Issued
Our solicitors prepare and issue loan documentation.
Settlement
Funds are disbursed in as little as 72 hours, subject to assessment.
Frequently Asked Questions
Yes. We regularly fund businesses to clear or restructure ATO obligations. A short-term, property-secured business loan can provide the capital to pay out the debt or negotiate with the ATO before enforcement action escalates.
Approval can be given in as little as 3 hours and settlement can occur in as little as 72 hours, subject to assessment and the complexity of the transaction.
We lend to companies, trusts, partnerships, and sole traders. The key requirement is adequate property security and a clear exit strategy.
Not always. Low-doc scenarios are considered, subject to assessment. We review the financials that are available, but our primary focus is the security property and the exit strategy.
Our business loans range from 1 to 24 months with loan amounts from $50,000 to $5,000,000 (larger loans may be considered by exception). Terms are tailored to suit your business requirements and exit strategy.
Yes, ATO debt consolidation is one of Astro Capital's specialties. We can provide fast funding to clear outstanding tax obligations, preventing further ATO enforcement action such as director penalty notices or garnishee orders. With approval in as little as 3 hours and settlement in as little as 72 hours, subject to assessment, we help businesses manage tax debt as part of their cash flow.
The maximum loan-to-value ratio (LVR) depends on the property type and location: up to 75% on metro residential; up to 65% on commercial, industrial and land; regional assessed case by case. LVR is the loan amount divided by the property value.
Yes. Astro provides residual stock finance up to 70% LVR, secured by a registered first mortgage over completed but unsold apartments, townhouses or lots. Developers use it to repay construction finance or release equity while the remaining stock sells. The loan is repaid from the sale of the stock or a refinance, and approval is subject to assessment.
Yes. Astro provides finance to complete a partly built project, secured by first mortgage over the site, up to 75% LVR on residential and 65% on commercial and industrial. It is not finance to fund a build from scratch. The loan is repaid by the sale of the completed project or a refinance on completion, and approval is subject to assessment.
It depends on the lender, the valuation and how quickly documents are signed. Astro Capital Finance can approve in as little as 3 hours and settle in as little as 72 hours from a complete application, subject to assessment. Banks typically take weeks.
Minimums vary between private lenders. At Astro Capital Finance the minimum loan is $50,000 and the standard maximum is $5,000,000. Larger loans may be considered by exception.
Many do, and Astro Capital Finance does. We lend Australia-wide, excluding the Northern Territory: New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania and the ACT. Regional security is assessed case by case. Elsewhere the maximum LVR is up to 75% on metro residential and up to 65% on commercial, industrial and land.
Astro Capital Finance provides credit for business purposes only. Business-purpose lending is not regulated by the National Consumer Credit Protection Act, so an Australian Credit Licence is not required and Astro does not hold one. Astro is not a member of the Australian Financial Complaints Authority (AFCA). If you have a complaint, contact us on 1300 278 761 or loans@astrocapital.com.au and it will be handled through our internal complaints process.