Quick answer
Company Cash makes small business loans of $20,000 to $50,000 secured on property you own, or a company vehicle with nothing owing. There is no formal valuation and no need for cash flow evidence, and funding can happen in as little as 24 hours once approved.
Key points
- Loan amounts from $20,000 to $50,000.
- Secured on property, up to 80% of residential value or 70% of commercial value.
- No formal valuation and no cash flow evidence.
- Funding in as little as 24 hours once approved.
- Loan size
- $20,000 to $50,000
- Security
- Property, or a company vehicle with nothing owing
- Valuation
- No formal valuation needed
- Speed
- As little as 24 hours once approved
Most small business owners do not need a million dollars. They need $20,000, $30,000 or $50,000, and they need it this week: to cover a tax bill, pay a supplier who has stopped being patient, buy stock for a busy period or take a breath after a slow quarter. The trouble is that a small loan is often just as hard to get as a large one. Banks want financials, cash flow lenders want bank statements, and both want time.
Company Cash was built for that gap. We make small business loans from $20,000 to $50,000, secured on property or a company vehicle, with very few questions.
What makes it different
A conventional lender asks one question above all others: can your cash flow carry the repayments? If your cash flow dipped, or you already carry several cash flow loans, the answer on paper is no, even when the business is sound.
We ask a different question: is there enough equity in the asset to cover the loan? If you own real estate with enough equity behind it, the loan is assessed on that. That is why we can lend up to 80% of the property’s value if it is residential and up to 70% if it is commercial, and why we do not ask for a formal valuation to get started.
How small loans work here
- Tell us how much. Pick an amount between $20,000 and $50,000. An estimate is fine.
- Tell us what you will offer as security. Usually property, with an estimate of what it is worth and what is owing. A company vehicle with nothing owing can work too, up to 50% of its sale value.
- Add your business details. Your business name and contact details. We do not ask for bank statements or profit and loss reports.
- A person reviews it. If it fits, you hear what happens next, and funding can follow in as little as 24 hours once approved.
Who these small loans suit
- Café, restaurant and retail owners who need stock or a refit before a busy season.
- Tradies and contractors waiting on a large invoice while wages and materials fall due.
- Companies with an ATO or supplier debt that has become urgent.
- Directors who took out several cash flow loans and now need one simple repayment instead.
- Owners who were declined elsewhere because their bank statements looked thin.
Short, simple repayments
Interest for up to the first three months can be prepaid, and after that you repay weekly. That means breathing room first, then a regular repayment you can plan around. Most companies repay from cash flow, or refinance the property or another asset when it suits them. You can read the detail on the prepaid interest and weekly repayments page.
What about bigger amounts?
If you need more than $50,000, the application has a second path with a few extra questions, so we can match the right lender. You do not need to decide in advance: the first question on the application form asks which one you need.
Costs and protections
Be sure you understand every cost before you sign. Ask for the fees, the repayment amount and how often it is taken, what happens if a payment is missed and what the terms say about repaying early. ASIC explains the unfair contract term protections that apply to small business contracts. Nothing here is a quote or an offer; every loan is subject to assessment.
Choosing the right amount
Borrowing more than you need costs more, and borrowing less can leave you back in the same position next month. Add up what is actually due: the tax bill, the supplier accounts, wages for the next pay run, plus a small buffer for fees. Round up modestly, not generously. If the total comes to more than $50,000, say so on the form, because the application has a separate path for larger amounts.
It also helps to think about repayment before you pick the number. A larger loan means a larger weekly repayment once the prepaid interest period ends. Check that the repayment sits comfortably inside what the business brings in, even in a quiet week.
Ready to start?
If you have property with equity, or a company vehicle with nothing owing, and you need $20,000 to $50,000 quickly, start with the application form. It takes a few minutes, there is no credit check to enquire, and a real person will call you.
Frequently asked questions
What is the smallest and largest loan?
Company Cash lends from $20,000 to $50,000. For more than $50,000 there is a separate path with a few extra questions.
Do I need to be a company?
Yes, we lend to companies. Have your ABN and ACN handy when you apply.
Why is a $20,000 loan secured on property?
Security is what lets us skip cash flow evidence and move quickly. The loan is assessed on the equity you hold, not on how your bank account looked last quarter.
Can I borrow if I was declined elsewhere?
Often, yes. Many of our borrowers were turned down because cash flow dipped or they carry other cash flow loans. Those reasons matter much less when the loan is secured.
Is this an offer of finance?
No. Every enquiry is assessed by a person, and lending is subject to assessment.