Apply
Submit your application or speak with a Surge specialist about your situation.
Keep your business moving when cash flow tightens.
Fast, flexible funding to cover short-term gaps — from payroll to supplier payments — so operations don’t skip a beat..
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When cash flow slows, opportunity shouldn’t.
Unexpected payment delays, seasonal lulls, or withheld progress claims can quickly put pressure on your business. When payroll, suppliers, or project deadlines can’t wait, waiting for clients to pay isn’t an option.
Surge Finance provides quick, asset-backed cash flow loans to bridge short-term funding gaps. We help Australian businesses maintain operations, meet commitments, and stay in control.
Helping you stay liquid
Our Cash Flow Management Loans are designed for directors and owners in distressed situations who need working capital fast — without complex paperwork or long approval cycles.
Fast approval and settlement
Typically within 1–5 days.
Working capital made simple
Use funds for payroll, suppliers, or short-term project costs.
Flexible terms
1–12 month facilities sized to your needs, secured against Australian property.
How We Get You Funded
Turning property security into reliable working capital — quickly and simply.
- 1
- 2
Assessment
We review your security, business position, and cash flow requirements.
- 3
Approval
Confirm property valuation and finalise documentation.
- 4
Settlement
Funds are released within 24 hours after settlement.
Fast, straightforward funding to keep your business moving.
- Money available from 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Maintain control and momentum.
Apply online or talk with a specialist about fast funding options for your business.
Frequently Asked Questions
Aim aim is to make securing important funding for your business feel simple and straightforward. Our team is on hand to help navigate the details.
What can I use a cash flow loan for?
Any legitimate business purpose, such as payroll, supplier payments, or short-term project costs.
Do I need financial statements or forecasts?
Not necessarily — Surge focuses on asset security and your exit plan, not traditional bank documentation.
Is my business eligible if I already have other loans?
Yes — many clients use Surge facilities alongside existing finance to smooth temporary shortfalls.
Do you lend to businesses with defaults or tax debts?
Yes. We specialise in creditor-impared finance.
What security do I need?
Residential or commercial property in Australia, supported by a clear exit plan.