Funding the gap
Emergency and recovery funding options
When insurance is slow, grants don't stretch far enough and the bills keep coming — the realistic ways to fund a business back on its feet.
Emergency business loans
Business emergency funding explained — secured and unsecured options, what's realistic on timing, what lenders need and how to size the loan to the real gap.
Read more →Underinsurance gap
Payout won't cover the rebuild? Why business insurance shortfalls happen — excess, sums insured, exclusions — and how to fund the difference sensibly.
Read more →Equipment replacement
Equipment written off by flood, fire or breakdown? How to fund a replacement machine, vehicle or cool room quickly, and what lenders need to see.
Read more →Property-secured funding
Using home or commercial property equity to fund a business emergency — first and second mortgages, caveat loans, amounts, timing and exit planning explained.
Read more →Unsecured emergency cash
No property to offer? How unsecured emergency business loans and lines of credit work, what lenders read in your bank statements, and how much is realistic.
Read more →Wages through a crisis
Business closed by flood, fire or a crisis? How to keep staff paid, what help may exist for workers, your obligations and how to fund payroll meanwhile.
Read more →Restocking after a loss
Stock ruined or stolen? How to document the loss, what the ATO says about stock payouts, and how to fund restocking quickly so customers don't go elsewhere.
Read more →Temporary premises
Premises unusable after a flood, fire or storm? Options for trading from temporary premises, what it costs, what insurance may cover and how to fund the move.
Read more →Bad credit or ATO debt
A crisis on top of past credit issues or an ATO debt? How lenders view bad credit in an emergency, what helps your case and when property security helps.
Read more →Checked the free help? Let's fund the gap.
Tell us what happened in about a minute. No credit check when you first enquire, your details stay with one team, and a real person calls you back.
No credit check to enquire
No spray-and-pray
A real person on your case