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Fast access to cash for short-term or unexpected expenses.
Grow your business, even with a less-than-perfect credit score.
A larger loan with a longer term, secured against property.
Plug a short-term gap before incoming finance, at a reduced rate.
Access varying amounts of cash whenever you need them.
For cash flow-heavy businesses that draw and repay often.
Lower rates and longer terms for established businesses.
Buy or upgrade vehicles, machinery and gear, secured by the asset.
Turn unpaid invoices into working capital, no long wait.
The same simple application, approached from your situation instead of a product name.
Working capital to smooth out cash flow and keep the business moving.
Deal with tax or ATO debt and get back to running the business.
Funding without putting property or other assets on the line.
ABN, ID and bank statements. No business plans, no projections.
Overdraft-style flexibility, brokered as a revolving line of credit.
| Solution | For when | Amount | Term | Get funds in | Key benefit | Often used for | Eligibility |
|---|---|---|---|---|---|---|---|
| Fast Business Loan | You need fast access to cash for short-term or unexpected expenses. | $5K – $500K | 3 – 12 months | Same day | Get funds fast, with cash flow-friendly repayments. | Wages, Bills, Urgent repairs, Cash flow, Import duties | Active ABN/ACN, Trading 3+ months, $10,000+ monthly revenue |
| Small Business Loan | You want to grow, but might not have the best credit score or time to wait weeks. | $5K – $5M | 3 – 12 months | 24 hours | Loans tailored to your business's needs and goals. | Equipment, Renovations, Hiring staff, Vehicles, Bulk stock | Active ABN/ACN, Trading 3+ months, $10,000+ monthly revenue |
| Secured Business Loan | You want a larger loan with a longer term, and have property as security. | $30K – $5M | 3 – 12 months | 24 hours | Competitive rates and longer terms available. | Renovations, New location, Upgrading facilities, Investments | Active ABN/ACN, Trading 5+ months, Property as security |
| Bridging Finance | Finance is coming soon, but you need funds now to plug the gap. | $150K – $5M | Up to 12 weeks | 24 hours | Large discounts compared with a standard secured loan. | Cash flow, Wages, Bills, Inventory, Equipment | Active ABN/ACN, Own property, A clear exit strategy |
| Line of Credit | You want flexible access to varying amounts of cash over time. | Up to $750K | Flexible repayments | Ongoing access | Only pay for what you draw on. Funds whenever you need them. | Cash flow, Equipment, Inventory, Wages, Renovations | Active ABN/ACN, Trading 9+ months, $10,000+ monthly revenue |
| Line of Credit Plus | You are cash flow-heavy and draw down and repay often. | Up to $500K | 3 – 12 months | Ongoing access | Pay only for what you draw. Repayments from 8% for the first month. | Cash flow, Equipment, Inventory, Wages, Renovations | Active ABN/ACN, Trading 9+ months, $75,000+ monthly revenue, Credit score 400+ |
| Growth Loan | You want the flexibility of lower rates and longer repayment terms. | $50K – $2M | 9 – 12 months | 24 hours | Borrow up to 150% of monthly revenue, with lower rates. | Cash flow, Equipment, Inventory, Wages, Renovations | Active ABN/ACN, Trading 24+ months, $75,000+ monthly revenue, Credit score 500+ |
| Equipment Finance | You want to buy or upgrade vehicles, machinery, tools or fit-out gear. | $5K to $1M | 1 to 5 years | 24 to 48 hours | Finance the asset itself, so you keep working capital. | Vehicles and utes, Machinery, Trade tools, Fit-out, IT and tech | Active ABN/ACN, Trading 3+ months, $10,000+ monthly revenue |
| Invoice Finance | You have unpaid invoices tying up cash and do not want to wait to get paid. | Up to 85% of invoice value | Until the invoice is paid | 24 to 48 hours | Turn unpaid invoices into working capital, without traditional debt. | Cash flow, Wages, Suppliers, Growth, Seasonal gaps | Active ABN/ACN, You invoice other businesses (B2B), Trading 3+ months |
Tell us the problem and we'll match the funding. Here's where most owners start.
Apply once and a real Zupo specialist, not a call centre, will match you to the right product for your situation.
Talk to usApply in about 3 minutes and see what your business can access, no obligation.