Knote is Australia’s trusted direct lender for business owners, entrepreneurs, and investors who need quick access to capital — even when the banks say no. We help you fund deals, bridge finance gaps, and unlock cash flow — all secured against your existing equity.
Knote is Australia’s trusted direct lender for business owners, entrepreneurs, and investors who need quick access to capital — even when the banks say no. We help you fund deals, bridge finance gaps, and unlock cash flow — all secured against your existing equity.
Gap funding covers the difference between bank loans and your project needs.
Knote helps businesses and investors access fast, secured loans by using existing property or asset equity, perfect for shortfalls or sudden opportunities.
We offer fast, flexible short-term loans secured against your existing equity through second mortgages, caveats, or same-day first mortgage funding.
Ideal for urgent settlements, business purchases, bridging finance, or unlocking asset value.
We fund better solutions that banks won’t — by using business or property assets, including first or second mortgages, caveats, and common-sense lending.
We provide quick approvals, a simple process, and funding in 24–48 hours, because your time and goals matter.
| Criteria |  |
Traditional Banks |
|---|---|---|
| Time to Funding | Same-day funding possible | Takes 2–6 weeks |
| Type of Security | 1st & 2nd mortgages, caveats, guarantees | 1st mortgage only |
| Credit Check Requirement | No credit check required to apply | Credit check generally compulsory |
| Documentation | Minimal to no documentation | Extensive documentation |
| Reuse Facility | Reuse facility available within 90 days | No reuse facility available |
| Lock-in Period | No lock-in period – use funds for a day | Typically 30 to 120 days |
| Repay Period | Repay anytime without penalty | Usually more than a year |
Knote was designed by Australian business and property investors to solve real-world financial challenges for other Australian business owners. Businesses need fast finance—whether for buying investments, quick property settlements, cash flow, ordering fresh stock, or investing in new equipment.
As one of the top commercial loan providers, Knote solves the need for quick funding in the business and commercial industry, supporting entrepreneurs, investors, and developers.
There’s nothing more frustrating than missing out on a deal, failing to settle on a property, or losing an investment opportunity because a bank says no or moves too slowly. Knote’s commercial solutions are designed to solve that problem efficiently.
We fund what banks reject — second mortgages, caveats, and fast turnaround loans for business growth and commercial opportunities.
Securing your first mortgage for a commercial or investment transaction? Access a seamless, hassle-free financing solution without delays.
Need to unlock additional capital for your business? We provide second mortgages to help you release equity and meet your funding goals.
Want to fund a business using investment property equity? We can release it with a caveat.
At Knote, our skilled experts design straightforward strategies to support your financial goals seamlessly. No complexity, we just offer effective solutions.
Designed for business owners, Knote provides commercial loans with quick decisions and minimal documentation when the bank says no.
Time is money for business owners, so Knote offers fast decisions on loan applications to keep your business moving forward.
We’re flexible with funding—you can qualify with a 1-day ABN and repay anytime with no lock-in period.
With AI assessment and human experts, Knote provides quick decisions and same-day funding to help your business grow faster.
Whether you’re expanding, investing, or covering an urgent need — Knote makes funding fast, flexible, and effective.
