Short-Term Business Loans
Fast, real estate-backed funding when your business needs to move
When your business needs capital quickly, waiting weeks isn’t always an option. At Mango Credit, we offer short-term business loans secured against real estate, not assessed on your credit score or income statements. If you have equity in a property and a clear plan to repay, we can typically have funds in your account within 3–5 working days.
Our Fast Short-Term Business Loans
✔️ Loan amounts from $50,000 to $500,000+
✔️ Loan terms from 2 to 24 months
✔️ Funds typically available within 3–5 working days from application
✔️ Secured against Australian real estate
✔️ No credit check or income assessment
✔️ Interest capitalised – nothing paid out of pocket until loan settlement
What is a Short-Term Business Loan?
Short-term business loans are fixed-term loans designed to provide businesses with fast access to capital, with repayment due within months rather than years. At Mango Credit, our business loans for short-term use are secured against the equity in your real estate. This means the assessment focuses on your property and your exit strategy, not your credit history or tax returns.
Who Are Short-Term Business Loans For?
Short-term small business loans work well across a wide range of situations.
Cash flow gaps
Covering a short-term shortfall while waiting on receivables or a client payment.
ATO or tax debt
Accessing funds quickly to address a tax obligation before it escalates.
Buying stock before a peak period
Securing inventory ahead of a busy season without draining working capital.
Urgent business expenses
Paying suppliers, covering payroll, or meeting an unexpected cost.
Bridging until longer-term finance is in place
Using short-term loans for a business to hold the position while a bank loan or refinance is being arranged.
Time-sensitive opportunities
Acting on a business opportunity, asset purchase, or site acquisition that won't wait.
Business owners who don't fit standard bank criteria
Self-employed borrowers, newer businesses, or those without up-to-date financials.
If you have equity in Australian real estate and a realistic plan to repay, we can help.
How Much Can You Borrow?
How much you can borrow with a short-term commercial loan depends on the equity available in your security property. Your borrowing capacity is calculated by subtracting any existing debt registered against the property from the property's current market value and assessing the result against our maximum LVR.
| Minimum loan | $50,000 |
| Maximum loan | $500,000+ (assessed case by case) |
| Loan term | 2 to 24 months |
| Maximum LVR | Up to 70% for business loans on metro properties |
| Repayment | Interest capitalised – repaid at the end of the loan term |
| Security | First mortgage, second mortgage, or caveat |
Secured Against Real Estate
Unlike many short-term online business loans that rely on revenue, credit scores, or personal guarantees, Mango Credit's loans are secured against property. This means the assessment centres on your real estate equity, not how long you've been trading or what your credit file looks like. This is one of the reasons we're able to move so much faster and say yes to borrowers who wouldn't meet standard bank lending criteria.
The security can be structured as a caveat loan, caveat loan, second mortgage, depending on your property position and what makes the most sense for your situation.
Why Choose Mango Credit
Mango Credit has been providing short-term small business loans since 2001. For more than two decades, we've helped thousands of Australian business owners access capital when they need it, without the delays, paperwork, or hoops that banks put you through.
Here's what sets us apart:
- We like to say yes without the but. Our flexible underwriting means we look at the full picture, not just a checklist.
- Indicative approval within 24 hours, and funds within 3–5 working days.
- No upfront fees. Establishment fees and interest are capitalised into the loan; nothing is paid out of pocket until the loan is repaid.
- Fees, interest, and any additional charges are laid out clearly before you commit.
- Minimal paperwork. We typically need a council rates notice and your current mortgage statement.
- Mango Credit does not require consent from your existing first mortgagee to lodge and advance the loan.
- You deal with the people making the decision. No call centres or being passed around.
Don't just take our word for it, you can read what borrowers have said at mangocredit.finance.
How to Apply for a Short-Term Business Loan Online
Applying for short-term business loans online through Mango Credit is straightforward.
1. Get in Touch
Contact us by phone, email, or through our online application form. Tell us what you need the funds for, how much you're looking to borrow, and what property you'd like to use as security.
2. We Assess Your Equity and Exit Strategy
We review your property details, equity position, and repayment plan. For business loans, accepted exit strategies include the sale of the property, refinancing into longer-term finance, or repayment from business cash flow.
3. Receive Your Indicative Offer
We'll provide a clear proposal, typically within 24 hours. It outlines the loan amount, interest rate, term, fees, and security structure.
4. Settlement and Funding
Once you sign the documents and return them, our solicitors prepare the security documentation. Funds are transferred electronically, typically within 3–5 working days from your initial application.
Short-Term Business Loans for Bad Credit
If your credit history has seen better days, you may be surprised at what's still possible with Mango Credit. Our short-term business loans for bad credit are assessed the same way as any other: on the equity in your real estate and the strength of your exit strategy. Past defaults, ATO debts, low credit scores, or gaps in your trading history won't automatically disqualify you.
This is not a guaranteed approval, and every application is assessed on its merits. But for business owners who have been turned down by banks due to their credit history, our team may be able to help.
Ready to Get Started?
If your business needs capital quickly and you have equity in Australian real estate, we'd like to hear from you. Whether you need a bridging loan, a caveat loan, or a short-term commercial loan structured around your specific situation, Mango Credit can typically have an answer for you within 24 hours.
Short-Term Business Loan FAQs
What is a short-term business loan?
A short-term business loan is a fixed-term loan that provides businesses with fast access to capital, with repayment typically within 2 to 24 months. At Mango Credit, our short-term business loans are secured against Australian real estate and assessed on your property equity and exit strategy, not your credit score or financial statements.
How quickly can I get approved and funded?
We typically provide an indicative offer within 24 hours of receiving your details. Funds are usually available within 3–5 working days of the application, provided the documents are returned promptly. We offer fast short-term business loans, but do not promise instant approval.
How much can I borrow?
Loan amounts range from $50,000 to $500,000, depending on the equity in your security property. The exact amount is based on your property's current market value, existing debt against it, and our maximum LVR of 70% for business loans on metro properties.
What are the loan terms?
Mango Credit offers short-term loans for a business with terms of up to 24 months. The minimum term varies depending on the loan type and structure. Speak to our team about what suits your specific situation and exit strategy.
Do I need security to access funds?
Yes. All Mango Credit loans are secured against Australian real estate. Security can be structured as a caveat, second mortgage, or first mortgage, depending on your property position. We do not offer unsecured loans.
Can I get a short-term business loan with bad credit?
Yes, in many cases. Because we don't run credit checks and assess loans based on property equity and exit strategy, past credit issues won't automatically disqualify you. Each application for a short-term business loan with bad credit is assessed individually, and your credit history is not part of that assessment.
Do I need financial statements or proof of income?
No. Mango Credit does not require tax returns, profit-and-loss statements, or income verification. Typically, all we need is a current council rates notice and your most recent mortgage statement.
Can I apply online?
Yes. You can apply online or give us a call at (02) 9555 7073. The process is straightforward, and there is no credit check at any stage.