Unlock high-value finance options quickly and securely. Flexible terms tailored around your business objectives.
Real estate-backed finance facilitated across Australia.
Transactions completed for clients nationally.
Private credit and structured finance experience.
Enter your property value and existing debt to get an instant indicative estimate. Final terms are subject to assessment.
The loan-to-value ratio (LVR) represents the amount of a mortgage compared to the property's value.
Indicative Equity Unlocked
Based on a % LVR against your property, less existing debt. Actual terms determined at assessment.
TOTAL LOAN (AT % LVR)
INDICATIVE MONTHLY
Deploy SME Money's fast business funding to expand your operations, secure assets, or bridge cash flow gaps.
Deploy capital quickly to fund new business operations, purchase equipment, or invest in expansion.
Secure quick funding for property investments, development projects, or business asset investments.
Consolidate existing business debts or refinance obligations with up to 5 years interest-only repayment terms.
Act decisively on high-value business deals and settle within days, even when traditional banks decline or delay.
Get approved quickly and settle within days. Cash is remitted directly into your business bank account.
Enjoy transparent finance with no line fees, no risk fees, and no early exit fees. No surprises.
Tailored terms for your business cash flow, offering up to 5 years interest-only repayments.
Keep upfront out-of-pocket costs minimal. Your valuation fees are paid on settlement.
Tell us about your property, required funding amount, and intended use of funds.
We review your submission and come back with a funding proposal quickly, without bank delays.
Once approved, we move to settlement, so you can put your capital to work immediately.
CEO
Commercial Investor Partnership
SME Money is an Australian-owned private, non-bank lender specialising in real estate-backed business funding and structured finance. We deliver fast, flexible capital to business owners, developers, and investors who need tailored funding outside standard bank criteria.
With $3B+ in finance facilitated and 200+ transactions completed nationally, our track record speaks for itself.
$3B+
Facilitated
200+
Transactions
15+ yrs
Experience
Michael Couper
Director, SME Money
Timeframes depend on deal complexity, but SME Money is known for fast initial assessments and accelerated settlements — significantly faster than a traditional bank.
Yes, all our funding solutions are property-backed, meaning real estate security is required to facilitate the loan.
Absolutely. We assess deals based on commercial merit and asset strength, offering flexibility where traditional banks often cannot.
Funds can be used for business expansion, asset finance, construction funding, consolidating obligations, or capturing time-sensitive opportunities.
Private lending rates are generally higher than standard bank rates to reflect the speed, flexibility, and alternative risk assessment we provide.
SME Money works with Australian business owners who need capital fast. Get your initial assessment today.
