Short-Term Business Loans Made Simple
Access fast, flexible business funding designed for short-term needs — without unnecessary complexity.
Depending on your situation, some lenders may offer rapid assessments.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.
Our Panel of 40+ Lenders
Why short-term funding matters
Short-term business loans are designed for speed, efficiency, and minimal friction — especially when timing is critical.
Short-term loans help business owners avoid:
Cash flow pressure
Supplier delays
Missed opportunities
Seasonal revenue dips
Unexpected expenses
Waiting for bank approvals
These loans prioritise recent business performance, not outdated financials.
This makes them ideal when you need fast access to capital without a long-term commitment.a
What is a short-term business loan?
A short-term business loan provides funding for 3–12 months, with a streamlined approval process designed for quicker access to capital.
Lenders base the assessment on:
recent bank statements
monthly turnover
trading history
account conduct
Short-term loans suit businesses that want faster approvals and flexible repayment structures without long contracts or delays.
If you want to explore full-range borrowing, see our Business Loans page.
Who this suits best
Short-term business loans may be ideal for businesses that:
Need funds urgently
Have seasonal cash flow
Want a smaller loan with a faster payoff
Don’t have updated financials
Want to avoid long-term commitments
Are managing short-term contract demands
Need a simple, frictionless process
How much you can borrow
Short-term lenders typically offer:
$5,000 to $500,000
Terms from 3–12 months (some up to 24)
Daily, weekly, or monthly repayment options
Your bank statements and turnover determine your borrowing capacity — not full financial statements.
What lenders look for
Short-term business loan lenders evaluate:
Monthly/weekly turnover
Number of deposits
Account conduct
Existing liabilities
Stability of revenue
Time in business
Most require only 3–6 months of bank statements to complete an assessment.
Benefits of short-term business loans
Fast approvals
Flexible repayment options
Short-term commitment
Minimal documentation
No tax returns required (many lenders)
Suitable for growing or seasonal businesses
Clear, straightforward requirements
No credit impact for checking eligibility
Common uses for short-term funding
Working capital
Stock purchases
Equipment repairs
Short-term contract fulfilment
Seasonal trade fluctuations
Supplier payments
Marketing campaigns
Emergency expenses
Eligibility criteria
Most short-term lenders require:
3–6 months trading
$8,000–$15,000 minimum monthly turnover
Active business bank account
ABN registered and trading
No financials required for many lenders.
No BAS needed with selected lenders.
No credit score impact to check your options.
How the process works
1. Quick pre-assessment (30 seconds)
No credit score impact.
2. Provide recent bank statements
3–6 months is normally sufficient.
3. Compare tailored lender options
We shortlist lenders that specialise in short-term funding.
4. Get funded in as little as 24 hours
Speed depends on your profile — but short-term lenders prioritise urgency.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance
Choosing a broker for short-term lending ensures you’re paired with lenders who understand urgency and flexibility.
We help you with:
Clear communication
Tailored lender matching
Access to 40+ lenders
A fast, transparent process
Support at every step
What you can expect
Simple requirements
No confusing processes
Straightforward guidance
Fast turnaround
No obligation to proceed
Frequently asked questions
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Some lenders may provide decisions within 24 hours.
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We explain the process before anything is submitted.
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Most lenders offer 3, 6, 9, and 12-month options.
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Many lenders offer early-payout flexibility. We explain this clearly.
Ready to explore your short-term loan options?
You’ll receive:
Clear guidance
Fast pre-assessment
Tailored lender options
A simple, transparent process
100% free · No credit score impact · No obligation