Built for the hours banks don't keep

Ask any business owner when the numbers really hit them and you'll rarely hear "Tuesday at 10am". It's 11pm, after the kids are in bed, looking at the account balance against Thursday's payroll. It's Friday night, when a supplier's email says the account is on hold. It's the Saturday of a long weekend, with a broken machine and nobody answering the phone.

24 Hour Finance exists for those hours. You can tell us what your business needs whenever it occurs to you, learn exactly what can and can't happen before the next business morning, and use the quiet time to get ready. Then a real person picks it up as soon as the working day starts.

Who we help

We work with Australian business owners — sole traders, partnerships and companies — who need funding for a business purpose. That might be covering wages, paying a supplier, clearing tax debt, replacing equipment, taking on a big order or bridging a gap until money comes in.

• Property-secured business loans from $20,000 to $5,000,000, using first mortgages, second mortgages or caveats over residential or commercial property.
• Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
• Harder situations — past credit issues and ATO debt are considered case by case, not ruled out at the door.

Business purposes only. We don't arrange personal or household loans.

Why "24 hour"?

Because the next 24 hours after you decide to do something are the ones that count. We're honest about what those hours look like: the form is open all night, but lending specialists, valuers, solicitors and the banking system that settles property loans work business days. So we focus on making every hour useful — the ones before the banks open and the ones after. With a complete file, $20k to $250k is possible the same day with property security, up to $5m is possible within 24–48 hours, and same-day funding is possible for smaller unsecured amounts.

The promises we keep

• No credit check when you first enquire. Telling us your situation at midnight leaves no mark on your credit file.
• No spray-and-pray. Your details go to one team who work on your situation. They aren't auctioned off or blasted to a list of lenders.
• A real person. A lending specialist reads what you wrote and calls you during business hours to talk it through.
• Straight answers. We don't publish rates, because every loan is priced on the business and the security involved. We'll tell you what's realistic, including when something isn't.

One favour we ask

Please fill in the enquiry form as accurately as you can — the amount, what it's for, your state and any property you own. It's the difference between a first call that's all questions and one that's about your options.

24 Hour Finance is operated by the operators of 24 Hour Finance. Ready when you are: start your 60-second enquiry, or build your plan with Your next 24 hours.