Unlock Fast Business Funding in 2 Days- $50K–$500K
Best Rate Guarantee
If your business earns $10K+/month, we’ll match you with the right business loans—fast
Our AI system finds the best offers in under 7 minutes, even for low-doc, no-doc, or bad credit cases.
No obligation. No fees. No risk. No Property needed.
Because bad timing shouldn’t stop a good business.
Struggling with cashflow?
You’re not alone!
Whether you’re battling ATO debt, chasing overdue invoices, stuck with stock delays, or under the pump to grow fast—we know the pressure is real.
That’s why we offer:
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💰 Flexible funding from $50K–$500K
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⚡ Lightning-fast approvals—no property required
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🎯 Use the funds your way: pay staff, cover tax bills, restock inventory, or seize new opportunities
We move fast—so your business doesn’t have to slow down.
Who Qualifies for Fast Working Capital?
You’re likely eligible if your business is:
💼 Generating $10,000+ in monthly revenue
📆 Actively trading for 6 months or more
🆔 Registered with a valid ABN
💸 Looking for 3–24 month unsecured funding (no property required)
We proudly support hardworking Aussie businesses across industries like:
🔧 Trades | 🍽 Hospitality | 🛍 Retail | 📑 Professional Services | 🏗 Construction and more.
Why Choose Clear Pacific Capital
When cashflow gets tight, you need a lender who moves fast and backs real businesses—not perfect credit scores.
Here’s why more than 1,200 Australian SMEs trust us:
🎯 Your local lender
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🧾 Transparent terms – No surprises, no fine print
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⚡ Fast approvals – Even with ATO debt or past credit issues
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🤝 Real people, real support – We actually return your calls
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🇦🇺 Backed by Aussie experience – We understand small business life
⚙️How it Works – Fast, Simple, No Stress
1. Apply Online – Complete our lightning-fast 3-minute form. No paperwork. No waiting rooms.
2. Get Assessed – We review your real business performance, not just your credit score.
3. Get Funded – Get up to $500K in your account within 24–48 hours. Fast cash when you need it most.
✅ Frequently Asked Questions
No! Our service is completely free for you. We’re only paid by the lender once your loan is successfully settled—there are no application, cancellation, or hidden fees. With our Best Rate Guarantee, we focus on securing the most competitive offer available. We also cover all bank closing costs.
Anywhere from $50K to $500K, depending on your business revenue and trading history.
We keep it simple. You’ll typically need:
ABN or ACN
6–12 months of business bank statements
Driver’s licence or photo ID
No financials or tax returns required for most approvals.
Yes, you can repay early. In most cases, you’ll save interest with no penalties.
No. We do a soft check first, which has no impact on your credit. A full credit check only happens if you proceed with the loan.
Yes. We regularly fund businesses with ATO debt or tax arrears. In fact, many use the loan to pay down the ATO.
Yes. We assess based on business cashflow, not just credit score. We work with businesses that have bad credit, past defaults, or missed payments.
A Low-Doc (Low Documentation) Loan is designed for borrowers who may not have the traditional documentation like tax returns or full financial statements. This option is particularly beneficial for self-employed business owners or those with fluctuating income.
Is it suitable for my business?
If your business is self-employed or you have irregular income sources, a Low-Doc loan can be a great fit. For example, La Trobe Financial, a leading lender, offers Low-Doc loans for borrowers who can’t provide extensive financial records. Instead of traditional documents, La Trobe may accept a few key items to verify income, such as:
- Business Activity Statements (BAS)
- Bank statements for the last 6-12 months
- An income declaration form
These alternative documents help streamline the approval process, making it faster and easier for business owners to secure funding.
If you think a Low-Doc loan could be right for your business, contact us for a personalized consultation to learn more about your options
That’s fine. We’re a low-doc lender—you typically only need:
ABN
6–12 months of bank statements
Driver’s licence or ID
No BAS or tax returns required for initial assessment.
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Almost anything business-related:
🧾 ATO bills
💰 Payroll
📦 Stock or inventory
📈 Growth and marketing
🧱 Equipment or suppliers
🛠 Emergency repairs
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Not usually. For loans under $250K, most approvals are low-doc, using bank statement analysis only. BAS may be requested for larger or complex deals.
We use a secure, read-only link via providers like BankStatements.com.au or Illion, so you don’t need to download PDFs manually.
That’s fine. Sole traders can apply with just:
Your ABN
Personal ID
Business bank statements (linked to the ABN)
Yes, if you’ve been trading for at least 6 months and have regular monthly income (typically $10K+).
It’s still possible—we’ll just need to see consistent income and business activity. Our team can help assess it case-by-case.
Lenders for you to choose from
Award-Winning Expertise At Your Service
Speak with a mortgage expert today. We’ll guide you through the options, find the best rate, and help you get approved quickly.
I’ve been with my Westpac bank for years, but I was stuck with a high interest rate of 6.25%. I wanted to refinance, but wasn’t sure if it would save me much. Then I contacted Clear Pacific. They helped me secure a fantastic new rate of 5.39% with $3,000 cashback at settlement. This dropped my rate significantly and saved me $450 per month on my repayments—all at zero cost. The process was seamless, and I couldn't be happier with the outcome. Super grateful to the Clear Pacific team for making refinancing so easy and beneficial!
I had an amazing experience with the Clear Pacific team! I needed a low doc commercial mortgage for $180K, and they got it done in about 5 days. No valuation, no tax returns, no financials — just a quick, automated connection to my bank statements for fast approval. The unsecured loan process was incredibly smooth, and the closing costs were minimal. Great job, Clear Pacific — highly recommend! vestibulum pellentesque cursutu.
Irfan's team at Clear Pacific Capital made the entire loan process so easy. I needed finance for my first commercial property and had no idea where to start. They explained everything clearly, found a great lender, and got my approval quicker than I expected. Highly recommend them if you want a stress-free experience!"
We were looking to buy a warehouse for our expanding business and needed a broker who understood complex applications. The support we received was outstanding. They found a lender who was flexible with our financials, and now we have a space that's ours. Couldn't be happier with the outcome."
✅ Ready to Get Started?
Our commercial property experts are just a click away. Let us take the stress out of financing so you can focus on your next big move.
