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Immediate Finance built for real-world challenges
Surge Finance provides immediate short term loans to help Australian businesses manage cash flow, settle debts, and navigate distressed situations.
- Competitive interest rates from 10% pa
- Loans from $50K to $50M
- Up to 80% LVR available
- No proof of income required
Lending that moves as fast as your business
Every business faces financial pressure at some point — from short-term cash flow shortages to urgent tax obligations or liquidation. Traditional banks often take weeks to decide, leaving business owners stuck waiting.
Surge Finance offers fast, flexible lending designed for distressed situations. Most applications are settled within 1–5 days, with funds released immediately after.
Common uses include:
- Cash Out
- Cash flow management
- Paying ATO and tax debts
- Director Penalty Notices
- Urgent Settlements
- Notice to Complete
- Receivership & wind-up scenarios
Tailored Funding with No Limits
At Surge Finance, we specialise in providing solutions where traditional banks and top tier lenders can’t accommodate.
We’re dedicated to providing tailored lending solutions that meet the evolving needs of our clients.
Whether you’re navigating a financial challenge or capitalising on growth opportunities, we deliver custom solutions with speed and reliability.
Non-bank Loan
Smart funding to help your business grow.
- Ideal for asset-rich clients with limited cash flow
- No income verification needed
- Terms range from 1 to 12 months
- Up to 80% LVR available
| Interest: | From just 10% per annum on all loans |
|---|---|
| Valuation: | Charged at actual cost |
| Legal Fees: | Starting from $3,300 with additional disbursements |
| Roll Over Fee: | Negotiable |
A range of funding solutions
Our competitive, flexible secured lending solutions cater for any circumstance.
Immediate Funding
Construction & Property
Recovery & Restructure
How We Get You Funded
It's so simple to partner with Surge.
- 1
- 2
Assessment
Provide property and loan details — no income verification needed. For liquidation scenarios let us know your position and exit strategy.
- 3
Approval
Property valuation and documentation are finalised.
- 4
Settlement
Funds are released, typically within 24 hours after settlement.
“We’re here to help clients take control of their situation and move forward — fast. Every loan we provide is built around that purpose.”
Get your immediate funding today
Speak to our lending team to start your application and get a decision within days.
Frequently Asked Questions
Our aim is to make securing important funding for your business feel simple and straightforward. We are always on hand to help navigate the details.
How fast can I get approved?
Most loan applications are approved within 1–5 business days, depending on the complexity of your situation.
When will I receive funds?
Once your loan is settled, funds are released immediately — usually within 24 hours of settlement.
Do I need proof of income?
No. Surge Finance offers “No Doc” loans, ideal for asset-rich clients who don’t meet traditional lending criteria.
What properties can be offered as security?
Loans can be secured against residential or commercial property located in Australia.
Can I apply if I have bad credit?
Yes. Defaults and low credit scores are accepted on a case-by-case basis.
What are the loan terms?
Terms range from 1 to 12 months, with options for serviced or capitalised interest.
What are the fees?
Interest rates start from 1% per month, with legal fees from $3,500 plus disbursements. Valuation costs are charged at actual cost, and roll-over fees are negotiable
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Scenarios
Explore a selection of examples where immediate finance from Surge Finance has relieved financial pressure for our clients, enabling them to stay focused on their business objectives.
Scenario
Voluntary Administration and DOCA
After entering Voluntary Administration and agreeing to a Deed of Company Arrangement, the client needed funds to meet DOCA terms. Surge arranged finance to exit the agreement and return the business to normal trading.
- Facility Amount:
- $6,000,000
Situation
Client entered Voluntary Administration (VA) and agreed to a Deed of Company Arrangement (DOCA).
DOCA terms required a significant lump-sum payment to exit.
Commercial contracts and ongoing business operations were at risk.
Solution
- Arranged $6M using a first mortgage over commercial and residential properties.
- Shortfall funded by second mortgages over additional properties.
- 75% LVR.
- Settled within 5 business days.
Scenario
Bridging Finance
Client needed to purchase a new property before her owner-occupied home sold, with conventional lenders unable to arrange funding in time.
- Facility Amount:
- $480,000
- Settlement Time:
- 5 days
- LVR:
- 65%
Situation
Client came to us purchasing a new property while her owner-occupied home was listed for sale, with conventional lenders unable to arrange funding in time for settlement.
Solution
Surge Finance arranged $480K using a second mortgage over the property listed for sale and a first mortgage over the new purchase, securing the property within 5 days.
Scenario
Director Penalty Notice
An ATO Director Penalty Notice gave the client 14 days to settle PAYG arrears across multiple SPVs or face forced liquidation.
- Facility Amount:
- $3,000,000
- Settlement Time:
- 5 days
- LVR:
- 60%
Situation
Client came to us after the ATO issued a Director Penalty Notice for PAYG arrears in one of his SPVs, with 14 days to settle in full before facing forced liquidation.
Solution
Surge Finance arranged $3M backed by commercial first mortgages and plant & equipment security, discharging the DPN in full and keeping the business operational within 5 days.
Scenario
Cash-Out Finance
Client needed capital to expand the business and clear outstanding debts to a private lender and the ATO.
- Facility Amount:
- $1,100,000
- Settlement Time:
- 3 days
- LVR:
- 70%
Situation
Client came to us needing funds to expand his business and pay out debts owed to a private lender and the ATO, with conventional lenders unable to structure the deal.
Solution
Surge Finance arranged $1.1M with a first mortgage over the client’s commercial property, funding the expansion and discharging both the private lender and ATO debts within 4 days.
Scenario
Investment Loan
Client had signed a commercial contract requiring imported materials but needed funds faster than any bank could provide.
- Facility Amount:
- $7,000,000
- Settlement Time:
- 5 days
- LVR:
- 60%
Situation
Client came to us having signed a commercial contract requiring overseas materials, with a tight deadline that banks could not meet.
Solution
Surge Finance arranged $7M backed by second mortgages over the client’s property portfolio, funding the import and fulfilling the contract deadline within 5 days.
Scenario
Notice to Complete
Original funding fell through on an investment property purchase, leaving the client 14 days to settle or forfeit the deposit.
- Facility Amount:
- $4,000,000
- Settlement Time:
- 6 days
- LVR:
- 60%
Situation
Client came to us after his original funding fell through on a new investment property, having received a Notice to Complete with 14 days to settle or lose his deposit.
Solution
Surge Finance arranged $4M using a second mortgage over the client’s existing property and a first mortgage over the new purchase, completing settlement within 6 days and protecting the deposit.
Scenario
Pub Development Shortfall
Client’s bank refused further funding on a partially complete pub development, leaving the build stalled and the investment at risk.
- Facility Amount:
- $2,600,000
- Settlement Time:
- 5 days
- LVR:
- 70%
Situation
Client came to us after his bank refused to lend further funds on an incomplete pub development, with existing first and second mortgages leaving no pathway to additional capital.
Solution
Surge Finance arranged a new $2.6M first mortgage to refinance the existing debt and release funds based on the as-is valuation, allowing the client to complete the build — the pub opened and commenced trading within 5 days of settlement.
Scenario
ATO Tax Debt
Client faced overdue GST obligations blocking an urgent property settlement.
- Facility Amount:
- $1,500,000
- Settlement Time:
- 4 days
- LVR:
- 65%
Situation
Client came to us with an urgent settlement deadline blocked by overdue GST obligations, with banks unable to move fast enough to resolve the debt in time.
Solution
Surge Finance arranged $1.5M across multiple second mortgages over the client’s property portfolio, discharging the ATO debt and completing the settlement in 4 days.
Scenario
Cash Flow Challenges
Facility to cover unpaid overheads following a slow trading period
- Facility Amount:
- $2,000,000
- Settlement Time:
- 4 days
- LVR:
- 72.5%
Situation
A client had suffered a few slow months, and projects had ground to a halt due to unpaid overheads.
Solution
Surge Finance delivered a $2M facility, secured by a first mortgage over the primary land and a second mortgage over additional collateral.
Scenario
Small Business Restructure
Helping a client settle tax debts with a Small Business Restructure (SBR)
- Facility Amount:
- $540,000
- Settlement Time:
- 5 days
- LVR:
- 70%
Situation
Client was sent to us by an accountant referral partner as he was in arrears with his SBR and was at risk of liquidation.
Solution
Surge Finance delivered a $540k facility, secured by a first mortgage on his vacant land owned in his company’s name. He was able to exit the SBR and avoid a fire sale of assets.
Scenario
Receivership Finance
Major creditor pressure from multiple secured loans pushed the client into receivership, threatening business operations.
- Facility Amount:
- $35,000,000
- Settlement Time:
- 7 days
- LVR:
- 70%
Situation
Client came to us having entered receivership and External Administration under pressure from multiple creditors with loans secured across several properties.
Solution
Surge Finance arranged $35M backed by multiple first mortgages over the portfolio and negotiated directly with lenders and receivers, exiting the client from receivership and returning the business to full trading within 7 days.
Scenario
Wind Up Notice
The lender’s lawyer issued a wind up notice giving the client 21 days to resolve the debt or face wind up.
- Facility Amount:
- $3,600,000
- Settlement Time:
- 5 days
- LVR:
- 65%
Situation
Client came to us after the lender’s lawyer issued a formal wind up notice, with 21 days to settle and existing mortgage positions blocking conventional refinancing.
Solution
Surge Finance arranged $3.6M across multiple second mortgages, paying out the wind up notice in full and halting legal proceedings within 5 days.
Scenario
Debt Consolidation
Multiple unsecured and caveat debts were pushing the client toward default with no conventional refinancing path available.
- Facility Amount:
- $700,000
- Settlement Time:
- 5 days
- LVR:
- 70%
Situation
Client came to us with multiple unsecured and caveat debts accumulating across his portfolio, with default imminent and no clear pathway to conventional refinancing.
Solution
Surge Finance arranged $700K using second mortgages over two properties, consolidating all debts into a single facility within 5 days and positioning the client for a long-term refinance.