What Speedy Finance does

Speedy Finance Pty Ltd is a privately-owned Australian non-bank lender headquartered at Level 3, 50 Marine Parade, Southport, on the Gold Coast, Queensland. Founded in 2004 and operating under Australian Credit Licence 379039 (ACN 107 833 766), the company provides equity-backed business finance to Australian small and medium businesses, property-owning borrowers, and finance brokers. It targets SMEs that require faster or more flexible capital than traditional banks can deliver, including use cases such as working capital, bridging finance, business expansion, ATO payouts, construction projects, and property purchases.

The company offers two core products: Secured Business Loans (up to $750,000, terms up to 24 months, fixed rates from 1.5% per month, secured against residential, vacant land, or commercial property) and Bridging Loans (up to $750,000, 3-9 month terms, fixed rates from 2% per month, with interest-only or capitalised interest structures). Both products are accessed through a 5-minute online application with no paperwork, decisions within 24 hours, and funds settled within 24 hours of approval.

The business model is interest-based: Speedy Finance earns revenue primarily through monthly interest charges on the principal loan amount, with no disclosed exit or early payout fees. Distribution is hybrid — a self-serve digital application channel sits alongside a formal broker accreditation program (covering mortgage brokers, commercial finance brokers, and referral partners) that earns commissions on settled deals and refinances, supplemented by an in-house inside-sales team operating during standard AEST business hours. The company holds AFCA membership (ID 111640) and FBAA corporate membership, and has been recognised as MFAA State & National Finalist. No revenue, headcount, funding rounds, or ownership details are publicly disclosed.

Name

Speedy Finance

Legal name

Speedy Finance Pty Ltd

Website

https://speedyfinance.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Speedy Finance Pty Ltd is a privately-owned Australian non-bank lender (founded 2004, Gold Coast) offering equity-backed secured business loans and bridging loans up to $750,000 to Australian SMBs, property owners, and finance brokers through online and broker channels.

Ownership category

akta.pro rank

Product category

Non-Bank Commercial Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Bridge Loans & Emergency Short-Term Credit (FSAKAMAJ)

akta.pro secondary industries

Cash Advance (Online & Storefront) (FSAKAMAC), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Secured business loans
• Bridging loans
• Non-bank lending
• Commercial finance
• Private lending

Headquarters

HQ city

Arundel

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Secured Business Loans: Equity-backed business loans secured against residential property, vacant land, or commercial property. Loans up to $750,000 with terms up to 24 months. Revenue generated through monthly interest charges on the principal loan amount.
2. Bridging Loans: Short-term bridging finance for 3-9 month terms, secured against property. Offers interest-only or capitalised interest repayment options. Revenue generated through fixed monthly interest rates (from 2% per month).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Speedy Finance is a privately-owned Australian non-bank lender that provides equity-backed business loans secured against residential property, vacant land, or commercial property. Its two core products are Secured Business Loans (up to $750,000, terms up to 24 months, fixed rates from 1.5% per month) and Bridging Loans (up to $750,000, 3-9 month terms, fixed rates from 2% per month). The company serves Australian small and medium businesses needing fast, flexible financing when traditional banks cannot move quickly enough, with funds settled within 24 hours of approval.

Product overview

Speedy Finance is a privately-owned Australian non-bank lender offering two core equity-backed business loan products: Secured Business Loans (up to $750K, terms up to 24 months, rates from 1.5%/month) and Bridging Loans (up to $750K, 3-9 month terms, rates from 2%/month). Both products are secured against property assets and share a unified application process, with funds settling within 24 hours. The company targets small and medium Australian businesses, brokers, and commercial finance professionals seeking fast, flexible private lending when traditional banks cannot meet their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Secured Business Loans Equity-backed secured business loans allowing Australian businesses to leverage residential property, vacant land, or commercial property as security. Loans range up to $750,000 with terms up to 24 months, fixed rates from 1.5% per month, and funds disbursed within 24 hours of settlement. Designed for small and medium Australian businesses needing working capital, business expansion, asset purchases, stock and inventory, shop fit-outs, construction projects, and ATO payouts.
• Bridging Loans (Interest Only / Capitalised) Short-term bridging finance for Australian businesses needing to fill a gap between immediate funding needs and expected future cash inflows. Loans up to $750,000 with 3 to 9 month terms, fixed rates from 2% per month, offering interest-only or capitalised interest repayment options. Secured against property assets.

Quantifiable outcome

• Funds disbursed within 24 hours of settlement
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Prospa: Australia's leading online small business lender offering working capital and unsecured term loans to SMBs. Directly comparable to Speedy Finance on SMB target market and online origination, though Prospa focuses on unsecured rather than property-secured lending.
• Bizcap: Australian alternative small business lender offering short-term loans from $5K to $300K with fast approval. Highly comparable on SMB target, short-term credit structure, and Australia-only geography.
• Spotcap: Online working capital provider serving Australian SMBs with revolving credit and term loans. Comparable on product type and SMB focus; competes more on speed and flexibility than on property security.
• OnDeck Australia: Online small business lender in Australia offering term loans and lines of credit to SMBs using cash-flow underwriting. Comparable SMB digital-lending model, differing on underwriting framework and product structure.
• Moula: Australian online business lender providing working capital and term loans to SMBs using data-driven underwriting. Comparable on SMB digital lending and Australian geography; differs from Speedy in its data-led, often unsecured positioning.
• Capify (formerly United Capital): Australian alternative SMB lender providing short-term working capital and unsecured business loans. Overlaps with Speedy on Australian SMB short-term credit, though Capify offers unsecured products while Speedy is property-secured.

Broad incumbents

• Liberty Financial: Large Australian non-bank lender operating across mortgages and asset finance. Comparable as an Australian non-bank lender, though Liberty is a much broader and more diversified institution than Speedy.
• Resimac: Australian non-bank lender specializing in prime, near-prime, and non-conforming mortgage and asset finance. Adjacent in non-bank Australian lending with overlapping secured-lending concepts.
• Pepper Money: Established Australian non-bank lender with a broader portfolio across mortgage, commercial, and consumer credit. Overlaps with Speedy in non-bank SMB and bridging-style finance but serves a substantially wider market segment.
• Westpac (and Australian majors): Major Australian commercial banks providing traditional SMB lending. Set the baseline that Speedy positions against on speed and flexibility; overlaps on product but not on operating model or pricing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Speedy Finance