Finance question
Can I refinance short-term or fast business debt?
Often yes. Fast loans and cash advances with daily or weekly repayments can strangle cash flow. Refinancing that debt against property equity moves it to a longer term at single-digit rates, so the punishing repayment schedule eases. No financials on many deals, and ATO arrears are workable.
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The short answer
Get off the daily-repayment treadmill
Short-term business lending is built for speed, not for living with. Merchant cash advances and fast unsecured loans take repayments daily or weekly and compress everything into a few months, so a large slice of your takings disappears before it touches your own account. Ventas is a broker, and refinancing that kind of debt is one of the most useful things we do.
Property changes the maths. Moving the balance into a facility secured by equity in a home or commercial premises stretches it over a proper term at single-digit rates, so the daily or weekly hit becomes a manageable monthly one. The cash that was being swept to the lender goes back into running the business.
It works even when the fast debt has left a mess. Property-backed refinancing needs no financials on many deals and ATO arrears are workable, so a business that turned to a cash advance precisely because things were tight can still move off it. We check the payout figures and only refinance where the new structure genuinely helps.
Do you qualify?
What makes this refinance work.
Equity to secure it
Property equity replaces a short, costly loan with a longer, cheaper one.
Daily or weekly debt
A cash advance or fast loan sweeping your takings.
ATO arrears workable
Tax debt does not automatically block a property-backed refinance.
Cash flow to rebuild
A longer term hands the swept cash back to the business.
Why swapping the structure helps
Term, not months
Property-backed lending spreads the balance over years, not a few months.
Single-digit rates
Real-estate security prices it far below a cash advance or fast loan.
Takings stay yours
Daily sweeps stop, so revenue funds the business again.
A real example
A retailer took a $60,000 merchant cash advance repaid daily from card takings, and it is choking the register. With equity in the owner's home, the balance is refinanced into a property-backed facility at a single-digit rate over a longer term. The daily sweep stops and cash flow returns. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Can I refinance a merchant cash advance?
Often yes. Moving it into a property-backed facility ends the daily repayments and drops the rate into single digits, subject to lender assessment.
What if the fast loan left me with ATO debt?
ATO arrears are workable on many property-backed deals, so tax debt does not automatically block the refinance.
Do I need financials?
On many property-backed deals, no. The equity carries the deal.
Will refinancing actually save me money?
We compare the payout against the new structure first and only proceed where the longer term and lower rate genuinely help.