Apply
Submit your application or speak with a Surge specialist about your situation.
Simplify your debts and regain control.
Fast, flexible funding to consolidate multiple debts, repay creditors, and stabilise your business position.
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When debts pile up, clarity matters most.
Multiple creditors, tax arrears, and unpaid suppliers can make managing your cash flow overwhelming. Missed payments lead to mounting pressure, while creditor demands risk turning into legal action.
Surge Finance provides practical, secured funding to consolidate existing debts into one manageable facility. Our approach gives business owners breathing room to refocus on operations and rebuild stability.
Helping you stay on top
Our Creditor-Impaired Finance solutions are designed for businesses under financial strain who need a reset — not red tape.
Fast approval and settlement
Typically within 1–5 days.
Simplify your obligations
Combine multiple debts into one clear repayment structure.
Support for distressed situations
Defaults, tax arrears, and creditor notices considered on a case-by-case basis.
How We Get You Funded
Streamlining complex debt positions into simple, short-term finance.
- 1
- 2
Assessment
We’ll review your security, current creditor exposure, and repayment strategy.
- 3
Approval
Confirm property valuation and finalise documentation.
- 4
Settlement
Funds are released within 24 hours after settlement.
Straightforward finance designed to stabilise your position.
- Money available from 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Get back to a single focus — running your business.
Apply online or talk to a specialist about simplifying your debts and restoring control.
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 is debt consolidation finance?
It’s short-term funding used to combine multiple business debts into one secured facility — simplifying management and improving cash flow.
Who can apply?
Australian businesses with multiple creditor obligations, ATO arrears, or defaults looking for a manageable repayment structure.
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.