Solving Your Business Finance Challenges

What is Gap Funding and Why Use It?

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.

Australia’s Gap Funding Specialists

Fast, Flexible Loans Secured Against Property and Business Equity
We fund better solutions that banks won’t — by using business or property assets, including first or second mortgages, caveats, and common-sense lending.

Why Choose Us Over Others?

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

Why Business Owners Love Using Knote

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.

Quick Funding

Strive to settle same day

Top Service

Committed to provide best service

Smart Lending for Urgent Scenarios

We fund what banks reject — second mortgages, caveats, and fast turnaround loans for business growth and commercial opportunities.

No jargon. No banks. Just fast funds direct from Knote.

Expert Solutions for Your Finance Needs

At Knote, our skilled experts design straightforward strategies to support your financial goals seamlessly. No complexity, we just offer effective solutions.

By Business Owners, For Business Owners

Designed for business owners, Knote provides commercial loans with quick decisions and minimal documentation when the bank says no.

No-Nonsense Funding

Time is money for business owners, so Knote offers fast decisions on loan applications to keep your business moving forward.

Flexible Assessments

We’re flexible with funding—you can qualify with a 1-day ABN and repay anytime with no lock-in period.

Quickest to Money

With AI assessment and human experts, Knote provides quick decisions and same-day funding to help your business grow faster.
“First step to Next step”- Backing Ambition
Whether you’re expanding, investing, or covering an urgent need — Knote makes funding fast, flexible, and effective.

Proudly Supporting United World Vision

By dealing with us you have helped the community in need. As part of earnings from your services will be donated to UNITED WORLD VISION.

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