Quick answer
Business owners in Brisbane, the Gold Coast, the Sunshine Coast and regional Queensland can borrow $20k to $5 million against residential or commercial property. In Queensland the loan is secured by a registered second mortgage, or a first mortgage if there's no existing loan. No valuation is needed, and funds can be in your account in as little as 24 hours.
Key points
- Available in Brisbane, the Gold Coast, the Sunshine Coast and regional Queensland.
- Secured by a registered second mortgage in Queensland, not a caveat.
- Your existing bank loan stays in place.
- No valuation needed, and up to 6 months with no repayments.
- Loan amounts
- $20k to $5 million
- Security in Queensland
- Second or first mortgage
- Funding
- In as little as 24 hours
- Valuation
- Not needed
Queensland runs on builders, tradies, tourism operators, farmers and the businesses that serve them. A lot of those businesses are asset-rich and cash-lumpy: big contracts, slow progress payments, seasonal swings. When cash runs short, the equity in property is often the fastest way to fix it.
How fast business loans work in Queensland
In Queensland, a private business loan is secured by a registered second mortgage lodged with Titles Queensland, rather than a caveat. Your bank keeps its first mortgage, at the same rate and with the same repayments, and the business loan sits behind it. If the property is debt-free, the loan can be a first mortgage.
The steps are simple:
- Enquire online in about 60 seconds, with no credit check to enquire.
- Talk to a lending manager, usually within 30 minutes during business hours.
- Get a conditional approval with photo ID, your council rates notice and your latest mortgage statement. All costs are listed before you agree to anything.
- Sign and return documents, then searches are done and loan agreements issued.
- Funds arrive, in as little as 24 hours from signing.
There’s no valuation to wait for.
Where in Queensland we lend
- Brisbane: the CBD, Fortitude Valley, Newstead, South Brisbane, and the industrial hubs of Eagle Farm, Rocklea, Acacia Ridge and Brendale
- Ipswich, Logan and Moreton Bay
- The Gold Coast: Southport, Surfers Paradise, Burleigh, Robina and Coomera
- The Sunshine Coast: Maroochydore, Caloundra, Noosa and the hinterland
- Regional Queensland: Toowoomba, Bundaberg, Hervey Bay, Rockhampton, Mackay, Townsville and Cairns
Homes, units, commercial buildings, industrial sheds and rural property can all be considered.
What Queensland businesses use fast loans for
- Builders and subcontractors covering wages and materials while a progress claim is outstanding
- Tourism and hospitality operators preparing for peak season or recovering from a quiet wet season
- Transport and earthmoving businesses replacing machinery that can’t wait
- Agribusinesses covering inputs ahead of harvest
- Owners consolidating several online loans into one loan with breathing room
The progress payment squeeze
Queensland’s construction sector has had a tough run, and many subcontractors are carrying slow-paying head contractors. A second mortgage business loan can cover the gap so you don’t have to turn down the next job. Because there are no repayments for up to 6 months, the cash goes straight into the work, and you can repay early as soon as the claim lands.
Gearing up for the next big pipeline
South East Queensland has a long list of major projects underway and planned in the lead-up to the 2032 Olympic and Paralympic Games, from transport upgrades to venues and housing. For subcontractors and suppliers, that means bigger contracts, larger upfront costs for materials and staff, and payment terms that don’t always line up with the cash going out. A property-secured business loan lets you say yes to the work rather than turning it down for lack of working capital.
Using commercial property in Queensland
If your business owns its own shed in Brendale, a workshop in Yatala or a shop on the Sunshine Coast, that commercial property can secure the loan, keeping your home out of the deal. Property held by a company or family trust is common and not a problem; the directors or trustees simply sign.
Lifestyle and acreage properties around Brisbane, the Scenic Rim and the hinterlands can also be considered, and your lending manager will talk through the details on the first call.
A Queensland example
A plumbing business on the Gold Coast has three online loans taking debits every business day, plus an ATO debt from a slow year. A fourth online lender declines. The owners have equity in their home in Robina.
A second mortgage business loan pays out all three online lenders and the ATO debt at settlement. The daily debits stop, there are no repayments for the first 6 months, and the business gets back to focusing on jobs. See refinancing cash flow loans with property.
Flexible terms
- $20k to $5 million for business purposes
- Up to 6 months with no repayments, with interest added to the loan
- Repay early at any time, or extend without penalties
- Funds in as little as 24 hours
Before you enquire
Find your latest council rates notice (Brisbane City Council, Gold Coast, Sunshine Coast or wherever the property sits), your latest mortgage statement and your driver’s licence. Then send your enquiry. A real person reads every one.
Not in Queensland? See Sydney and NSW, Melbourne and Victoria, Perth and WA, Adelaide and SA and Hobart and Tasmania.
Frequently asked questions
Why is a second mortgage used in Queensland instead of a caveat?
In Queensland, short-term private business loans are secured by a registered second mortgage. It works the same way for you: the bank keeps first position and the business loan sits behind it.
Do you lend on the Gold Coast and Sunshine Coast?
Yes, along with Brisbane, Ipswich, Logan, Toowoomba, Townsville, Cairns, Mackay, Rockhampton and other regional centres.
How fast can I be funded in Queensland?
With documents ready, approval can come within the hour and funds can be in your account in as little as 24 hours.
Can I use farmland or rural property?
Rural and lifestyle property can be considered. Your lending manager will talk through the details on the first call.
Do I need perfect credit?
No. Past credit issues and ATO debt are considered case by case, because the loan is secured by property.