Short-Term Lending
Short-term finance works best when there is an immediate problem that needs to be addressed, or when one would like to fulfil and take advantage of an unexpected opportunity.
For property owners and investors, short-term finance can allow for:
​
-
Urgent settlements.
-
Bridging finance to fill the gap between the purchase and sale of a property.
-
The ability to act quickly on advantageous opportunities.
-
Tight deadlines that need to be met.
For businesses and business owners, a short-term lending facility can help businesses meet an increased demand for cash-flow. For example, to fulfil an unexpected opportunity or address an immediate problem. This is particularly true today where the lending criteria from traditional sources is tightening.
Such challenges that can be negated by short-term lending include:
​
-
Paying tax liabilities and ATO debt.
-
Refinancing debt or deleveraging from a lender.
-
Resolve potential insolvency issues and allow for business turnaround.
-
Creditor repayments.
-
Equity release.
-
Debt refinancing.
-
Take advantage of seasonal trends, such as by purchasing additional inventory or hiring extra staff in a holiday period.
-
Business emergencies, such as equipment breakdown
-
Working capital, to purchase stock for example.
1
What is Short Term Lending?
Short term lending solutions are designed to provide quick access to funds for individuals and businesses facing urgent financial needs. Unlike traditional loans, which can take weeks or months to process, short term loans Melbourne are faster to approve and are typically used for a short duration—often from a few weeks up to 12 months. These loans are ideal when you need capital urgently or wish to seize a timely opportunity.
2
When is Short Term Finance the Right Choice?
Short term finance Melbourne works best when there is an immediate financial issue that needs resolution, or when a fast-moving opportunity arises. For example, property owners and investors often turn to this type of lending for urgent settlements. If there is a tight timeframe to secure a deal, short term lending offers a solution that traditional banks may not be able to match in speed.
​
Another popular use case is bridging finance, where short term loans help cover the gap between the purchase of a new property and the sale of an existing one. Rather than losing out on a promising investment due to timing, borrowers can move forward with confidence. This kind of financing also enables investors to act quickly on advantageous opportunities—whether it's acquiring a below-market property or completing a timely renovation.
3
The Benefits of Short Term Loans in Melbourne
The Melbourne property market is highly dynamic, and opportunities can appear suddenly. Short term lending Melbourne options give buyers and investors the flexibility to move quickly and strategically. Whether you're dealing with tight deadlines or need fast access to capital, this type of finance can be the difference between missing out and achieving success.
​
For businesses, short term finance can also provide working capital to manage cash flow, purchase inventory, or cover unexpected expenses. The streamlined application process and quicker turnaround make short term loans Melbourne particularly attractive compared to long-term funding alternatives.
4
Why Choose CapStack for Short Term Lending
If you’re located in Melbourne or elsewhere in Australia and need urgent financial assistance, choosing a trusted short term finance provider can give you the edge you need. By aligning with a local expert who understands the market, you gain access to tailored advice and flexible options suited to your unique circumstances.
​
In conclusion, short term finance Melbourne can be a powerful tool for those who need to act fast—whether it’s for property settlements, bridging the gap between transactions, or meeting pressing deadlines.
Get in Touch
To start the process of finding the best funding solution for your investment fill out our client information form here.