Short-term financing at your finger-tips

Max Funding specialises in short term business finance for small to medium businesses all over Australia. Whether you are looking to purchase equipment, expand your business or take a time-sensitive opportunity, you have come to the right place. Banks may require months to process your application only to decline your case but at Max Funding, we can give you a pre-approval decision online in only five minutes-anytime, anywhere in Australia.

Experience the Max way:

  • Borrow from $1,000 to $500,000+
  • Easy to qualify
  • Flexible loan term from 1 month to 36 months
  • Low-interest rates and flexible repayment terms
  • Pay off early to save interest
  • Interest is tax deductible

Why our short term business loans are better?

Our short term business loans cater to businesses all across Australia, regardless of the industry and size. Max Funding understands that business is all about chances and opportunities. There are times when we are prepared for them, but sometimes events can happen unexpectedly. Many business owners are caught off - guard by the constantly changing business cycle and may miss many valuable opportunities.

At Max Funding, we can offer working capital when you need it the most to make sure you take advantage of all opportunities that comes your way. To ensure the best business lending is provided, we have designed our application process to be easy and quick, and once approved, money is transferred to your account directly.

Utilise the opportunities today!

The benefits of our short term business loans enable readiness, durability and flexibility, so even if you do not expect something to happen, extra cash flow may be a wise choice. Our friendly team is always ready to help you achieve the next stage of your business. Get your business finance application today!

Weekly repayment

Personalise your repayment plan
  • Amount
    $ 250,000
  • For loans more than $200,000, please contact us for a personalised repayment plan.
  • Duration
    36 months

Weekly repayment


Personalise your repayment plan
*The information provided in the calculator above is for indicative use only. Interest rate will vary based on individual application risk profile. Fee is not included in the calculation. Accurate repayment will be provided upon final verification. The calculator and the result generated does not constitute any offer from Max Funding.

Short Term Business Loans in Australia

Operating a business in Australia comes with its fair share of headaches. Overheads, payroll, and inventory are financially demanding, to say the least. And there are some months when simply maintaining positive cash flow can seem all but impossible.

When times are tough, sometimes the straightforward solution is to simply seek out a short-term loan that can help you maintain steady operations whilst you weather the storm. But unfortunately, most of the loans that are available to business owners are long-term. By the time they’ve been repaid, the interest alone is enough to break a business owner’s heart.

At Max Funding, we specialise in helping Australian business operators like you get the funding you need to keep your business running smoothly and efficiently. We understand that a long-term loan for working capital isn’t always the right solution, which is why we’ve developed shorter-term options and added them to our list of services.

What is a short-term Loan?

A short-term loan is just what it sounds like: a loan that is paid off in a short period of time. Of course, what constitutes as "short" is relative, and this is where many borrowers become confused. With that in mind, we’ll give you an idea of what we think short-term loans should look like.

For some short-term lenders in Australia, the repayment period must be less than one year to qualify as "short-term". But at Max Funding, we believe that a bit more flexibility is possible without taking the loan into the long-term territory. For our lending agency, a short-term loan term can last as long as 36 months with term extensions. This ensures that our clients are able to make their repayments even if the first few months of the loan term didn’t go as planned.

Depending on your business needs and preferences, we can also accommodate weekly, fortnightly or monthly repayments. From our perspective, this level of flexibility is what makes our short-term loans so attractive to our clients. Unlike standard one-year loans, which are rigid and unforgiving, ours have been structured with the unpredictability of business factored in.

Where can I get a short-term loan in Australia?

Flexible short-term loans are notoriously difficult to come by in Australia. There are few mainstream banks willing to provide small business operators with capital. For most, the only option is to apply for a line of credit with a local bank and hope they’ll be accepted.

There are rare cases in which banks will provide short-term financing to cover your temporary capital needs. For example, they might provide some businesses with seasonal loans to cover increased needs for inventory. But even this is difficult to arrange. It’s usually only possible if you have an existing relationship with a particular bank.

That’s the beauty of our system. Getting short-term loans in Australia has never been as easy as we’ve made it. There’s no need to shop around from one bank to the next, or to waste time trying to cultivate relationships with local bank branches just so that you can sweet talk your way to a strict and rigid loan that you have to pay back in a few months.

Instead, all you have to is apply through our website. Doing so is quick, easy and best of all painless.

How to apply for short term business funding

Thanks to our website, getting access to capital online is incredibly easy. You can actually begin the process right here on our website. If you look at the right-hand side of this page, you’ll see a short pre-approval form where you can enter the following information:

Loan Amount

Loan Amount

Let us know how much money you would like to borrow for your business. If you’re not sure precisely how much you’ll need, just estimate on the higher end, as we can adjust this figure later. We offer up to $500,000 for short-term loans in Australia.

Business purpose


There are several reasons small businesses might be in need of short-term cash loans. Let us know how you would like to use the capital.

Credit history

Credit History

We are proud of ourselves in our ability to accommodate poor credit ratings, so don’t hold back in this department. By telling us more about your credit history, we’ll be able to offer you a more precise loan approval.

You’ll be amazed at how easy it is to apply for a loan through our website. Filling out the pre-approval form places you under no obligation to continue with the loan process. And thanks to our advanced approval algorithms, we’re able to provide you with a decision in approximately five minutes.

Can I get a short-term loan if I have bad credit?

If your credit rating is less than stellar, there’s no need to fret. Max Funding may still be able to supply you with the cash that your business needs. We understand that bad credit doesn’t automatically equate to irresponsibility. In fact, we’re eager to provide business owners with the second chance they need to finally turn things around.

We strive to give out as many bad credit short term loans as is responsibly possible. In order to accomplish this, our team works on a case by case basis to determine whether we can give our applicants a second chance and help them rebuild their credit. We believe that everyone deserves a second chance, and this is our way of helping local business owners make the most of theirs.

Contact Max Funding for short term business loans in Australia

There are many reasons that a business might need a short-term working capital. Perhaps a sudden surge in orders has left you short-handed in terms of inventory. Or maybe an unexpected slow period is making it difficult to keep up with your payroll demands. Regardless of why your business is short on cash, there’s no need to give up. With our help, you can maintain cash flow and continue to meet your business’ demands.

Fill out the secure and fast pre-approval form through our website or contact us directly if you would like to learn more.

Maxfunding Rating


4.80 Based on 10 reviews
See some of the reviews here.

4.8 5

Good and fast process

The process is good and fast, 5 stars service

5 5

hassel free

The whole process is simple, loan term is flexible

5 5

Great short term loan offer

Short term loan from Max Funding is flexbile, very good

5 5

Best alternative to Banks

Much faster than traditional banking, best alternative

4.7 5

Great experience

Much easier to deal with than big 4 banks

4.8 5

Secure and trustworthy

Max Funding helps my small tatoo parlour after searching for ages to find a short term finance

4.9 5

Unbelievable convenience

The brilliant thing about Max Funding short term loans is they understands our needs so we can get a loans that is suitable for us. All the best for Max Funding Team

5 5

Say goodbye to Archiac Banks

Big 4 takes months to assess my loan application. With Max Funding, I can get to money fast to increase our turnover.

4.8 5


Smart & innovative short term finance for small businesses like me

4.9 5

Reliable credit provider

Banks never helps me when things are challenging. But Max Funding always helps me to grow my business. I definitely recommend to everyone.