About us
Why we map the clock
Fast business funding is possible. Promising it without showing the working isn't honest. So we show the working.
24 Hour Money exists for Australian business owners who need money on a deadline — a supplier who won't wait, a tax bill, a broken machine, a settlement that has to happen on a particular day. Those owners are usually told one of two things: "it takes weeks" or "we'll have it to you today". Neither is much use without knowing what actually has to happen in between.
So we built this site around the clock itself. Every stage of a fast business loan — the enquiry, the first call, assessment, valuation, verification, approval and documents, settlement and payment — has its own page explaining who does the work, what it needs from you and what tends to slow it down. The 24-Hour Funding Clock puts those stages against real business hours, time zones and holidays so you can see where your earliest realistic window falls before you commit to anything.
Who we help
Trading businesses across Australia — sole traders, partnerships, companies and trusts — that need business funding quickly and want to understand the timeline. That includes owners with property they can offer as security and owners without it.
- Property-secured: Property-secured business loans from $20k to $5m — first mortgages, second mortgages and caveat loans over residential or commercial property.
- Unsecured: Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5k to $500k, sized on turnover and bank statements.
- Credit history: Past credit issues and ATO debt considered case by case.
- Purpose: Business purposes only.
Speed is possible, never promised: $20k to $250k possible same day (property-secured); up to $5m possible within 24–48 hours; and same-day funding possible for smaller unsecured amounts — when paperwork, signatories and the calendar line up.
The promises we keep
No credit check to enquire
Asking where your 24 hours could land doesn't touch your credit file. A credit check only comes up once you decide to go ahead.
No spray-and-pray
Your enquiry isn't auctioned off to a queue of lenders. One team works your file, so your phone stays quiet.
A real person on the clock
A lending specialist reads your details and calls you. Accurate form answers let them match you properly the first time.
In plain terms: asking costs you nothing on your credit file, your details stay with one team instead of being fired off to a list of lenders, and a real person reads your enquiry and calls you. What we ask in return is accuracy. The amount, your state, what you own and what's already owed decide which track your file runs on, and honest answers are what let us get it right on the first call.
How we work
We start from your deadline and work backwards. A lending specialist confirms the amount, the purpose and the exit, looks at what you can offer as security, and tells you which stages apply and roughly when each can happen. If the deadline isn't realistic, we say so, and we suggest what might be. You can read the full sequence on how it works.
We never publish interest rates. Every loan is priced on the business's own circumstances, and we'd rather explain the total cost of your option in dollars than advertise a number that doesn't apply to you.
About this site
Our guides and stage pages are written by the 24 Hour Money editorial team using current official sources such as the ATO, the Reserve Bank, business.gov.au, state land registries and the Fair Work Ombudsman, and they're reviewed as rules and dates change.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on the clock