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.
Simple process , Top service
Quick decision tool (experts and AI)
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 provide quick approvals, a simple process, and funding in 24–48 hours, because your time and goals matter.
| Criteria | Knote | 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.
Strive to settle same day
Committed to provide best service
We fund what banks reject — second mortgages, caveats, and fast turnaround loans for business growth and commercial opportunities.
Buying your first home? Get a stress-free first mortgage loan without any delays.
Bank approved only $200K for your $300K deal? We’ll fund the rest with a 2nd mortgage.
Got a great investment deal but can’t wait for banks? We’ll fund it within 48 hours.
ABN too new for banks? We fund from day one using property as security.
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.
