Get up to $1 million

Our lending service is suitable for a variety of clients, including start-ups, established business owners and those with bad credit history. With a quick settlement time, our loans can help you meet your business needs in a timely manner. We offer a flexible repayment plan that is tailored to your cash flow and can be a periodical repayment (such as monthly), a lump sum payment, or a combination of both.

To provide additional flexibility, we offer a loan term extension option. The loan term ranges from 1 month to 36 months, including term extension. The indicative loan amount ranges from $3,000 to $30,000, and we accept asset eligibility criteria such as registered motor vehicles (financed OK) or real estate properties (mortgaged OK). A financial statement is optional, and we provide a dedicated account manager for your convenience.

Easy eligibility

Bad credit ok

Quick decision

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Short Term Business Loans Explained: What is a Short Term Business Loan?

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Short Term Business Loans - Fact Sheet

Best suitable For
  • Start-ups
  • Established business owner
  • Commercial property investors
  • Bad credit history
Settlement Time* 24 hours
Loan Term 1 month - 36 months (including term extension)
Repayment structure

We can design a repayment plan that fits your cash flow.

This can be a periodical repayment (e.g. monthly), a lump sum payment or a combination of your choosing.

To ease your commitment and allow maximum flexibility, a loan term extension may be available.

Indicative Loan Amount $3,000 to $30,000
Asset Eligibility Criteria

Registered motor vehicle (financed OK)
Real estate property (mortgaged OK)

Dedicated Account Manager Yes

*Turnaround time is indicative only and after signed loan contract is received. Fund transfer is subject to fund availability and settlement condition satisfied.

Not Sure Which Loan?

Not sure which loan product and features are best for you? Use our comparison
table. Otherwise, reach out to us. We’re happy to help!

FAQs about Short Term Business Loans

Yes, at FundSpot, we understand that bad credit doesn’t automatically equate to irresponsibility. We believe in second chances, and strive to give as many bad credit short term loans as responsibly as possible.

To apply for a short term business loan, it’s very easy. Simply complete the obligation-free application form and once verification is done and the contract is signed, the funds will be transferred to you as fast as 24 hours.

For more information, head over to our How To Apply page to see just how simple the whole process is.

A short-term business loan is just like what its name suggests; a loan paid off in a short period of time. For most short-term lenders in Australia, a loan is classified to be ‘short-term’ if the repayment period is less than 24 months. However, at FundSpot, we believe that more flexibility is possible without taking the loan into the long-term territory, and can last as long as 36 months.

To put it all together, with FundSpot, a short-term business loan is simply a loan that is to be repaid within 36 months.

Yes, to apply online, simply fill out our online pre-approval form which takes just 3 minutes. With FundSpot, it’s easy to be eligible. We cater our services to businesses regardless of whether they are existing or new.