Need urgent finance to settle a property, cover a funding gap, or unlock equity? At Formation Finance, our short term property loans are quick, flexible, and made just for you.
Hit a finance wall with banks, or just want a quick fix? Our short term loans are crafted to push you past the finish line — no long waits, less red tape, or extra forms.
These are quick loans usually lasting from 3 to 24 months. They are perfect when you need money fast, especially if normal banks are too slow or say no because of paperwork, income, or credit issues.
These loans are backed by houses, shops, or factories, and can help with many short-term cash needs, like endless working cash flow.
✔ Quick OKS and Deal Closings
✔ Get to 50+ Bank and Private Loan Groups
✔ No need to show income with No-Doc Loans
✔ Use your property’s value without changing your main mortgage via Second Mortgage Loans
✔ Loan plans made to fit builders, investors, and business folk
✔ Few forms, fast service
🔥 Low Rate from 7.95%: Competitive interest rates backed by large family offices and institutions – save thousands.
🔥 No Income Proof: Self-employed? Complex finances? Property developer? We focus on your property’s value, not paperwork.
🔥 High LVR: Borrow up to 75% of your property’s value.
🔥 Fast Approvals: often within 48 hours.
🔥All Postcodes within Australia
No Doc loans. No income docs required. No complicated paperwork!
Property and businesspeople need simple loans for an easy, straightforward, and speedy process.
Our clients use short term property loans for:
Bridging finance between property sales
Fast property settlements (especially when traditional lenders delay or decline)
Refinancing to release equity
Paying off ATO debt or other urgent liabilities
Funding property developments or renovations
Buying time to restructure finances or improve credit
| Development Site Loans | Construction Loans | Residual Stock/ Bridging Loans | Mezzanine Loans | |
|---|---|---|---|---|
| LVR (up to) | 70% | 70% | 70% | 75% |
| Loan Term | 3-24 months | 12-24 months | 3-24 months | 3-24 months |
| Rates (from) | 8.49% p.a. | 9.99% p.a. | 8.49% p.a. | 15.00% p.a. |
In most cases, we can secure approval within 24–48 hours and settle within 3–7 business days.
Minimal documentation is required — typically ID, property title, property value and basic loan purpose info.
No. Interest is often capitalised (retained) within the loan, which helps your cash flow management.
An exit strategy is your plan to repay the loan at the end of the term — usually through property sale, refinancing, or receiving lump sum income. A clear exit strategy is essential for approval, as short term loans are interest-only and designed for temporary use.
