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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 rates from 1% p/m
- 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 flow management
- Paying ATO and tax debts
- Director Penalty Notices
- Shortfall project completion
- 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 1% per month on all loans |
|---|---|
| Valuation: | Charged at actual cost |
| Legal Fees: | Starting from $3,500 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