SME loans in as fast as 1 business day.
More business owners than ever before are chasing a fast and simple business funding solution, but one that won't drain their available cashflow in the process.
Qualify in one day
We can provide a simple 'non-judgmental' solution if they have a low credit score, mortgage arrears or tax debts.
Grow your business
We can help business owners who were left stranded after being turned away by everyone else. We are Australia's fastest & most flexible 1st & 2nd mortgage provider.
Minimum Paperwork
We undestand that when you need urgent business funds to pay the suppliers or urgent renovations your tax returns are not always available so can help without your financials.
No hassles, no guesswork.
All we need is a copy of ID for each borrower and a recent mortgage statement and a copy of a Rates Notice for the security property. This will get you started.
The Process
Remember, we don't require cashflow records, and we don't have an issue with low credit scores, tax debts or defaults.
1.
Apply online within minutes.
We lend to 75% on Resi and 70% on Commercial
2.
Get your application reviewed in an hour.
Flexible Loan Terms from 1 to 12 Months, and beyond
3.
Get funds on same day upon approval.
Poor credit, mortgage arrears, tax debt, sheriff at the door
Top Step Finance doesn't lend you money and forget about you, they are sincerely interested in your business. Their ultimate goal is to make your business prosper.
— Booker T.
Founder, SkySoft Digital
FAQs
Please see below some common frequently asked quetions.
Non-refinance
What happens if I cannot refinance your loan?
We understand that in some cases things do always work out when trying to refinance out of a private loan. We can however negotiate a roll over facility for a further 6 to 12 months subject to the lender approval.
1.
Loan term
What is the maximum term of the loan?
Remember, we don't require cashflow records, and we don't have an issue with low credit scores, tax debts or defaults, based on these terms we can stretch a short term loan to a maximum period of 18 months.
2.
Do I need to be a property owner
Do I need any real estate security?
We do not do valuations & don't need cashflow records. We do undertake other means of establishing the value of the security property. Our loans are considered only under a security provision.
3.
Settlement terms
How long does it take to settle a loan?
In many cases assuming that you provide all the necessary documentation as requested we may settle and fund 1st & 2nd Mortgages within the 24 to 48 hours.
4.
Not answered above?
We are here to help your business needs every step of the way. We have the access to lenders that understand the complexities of running a smal business and their cash flow needs.
Proudly compliant with the GFA Code of Good Conduct & Practice.
Over $500k approved & funded the same day.
To qualify for funding your business needs to be at least a year old. You should have revenues of $30,000 annually or $2,500 per month over the last three months. Other conditions may apply.
Why Choose Top Step Finance?
Our Lenders
We provide more choice with over 40 asset finance lenders on our panel to give you the best product for your business needs.
Our Technology
You use the latest processing software available in the market that includes direct API to various lenders.
Training & Development
We undertake ongoing Professional Development and education to stay on top of the market to benefit our clients.
Our Experience
With over 15 years of experience in asset finance, you can rest easy knowing you are working with the experts.
Hands-On Support
We provide complete business support options from application right through to settlement and beyond.
Compliance
A team with high-level expertise in all legislation, financer accreditations, and Australian Credit Licence holder updates.