Knote is Melbourne’s trusted direct lender for business owners, entrepreneurs, and local investors who need fast access to capital, especially when the banks say no. We help you secure funding for deals, bridge finance gaps, and unlock cash flow using the equity you already hold.
Gap funding covers the difference between what a bank will lend and what your project actually needs as per the fast-moving and competitive business and property market. As a leading provider of gap funding in Melbourne, Knote offers quick, secure lending by leveraging your existing property or asset equity, making it ideal for tight deadlines, unexpected costs, or urgent opportunities.
We provide fast, flexible short-term loans backed by second mortgages, same-day first mortgage solutions, or caveat loans across Melbourne. Gap funding is perfect for urgent settlements, business purchases, bridging finance, releasing equity for growth, and taking advantage of rapid commercial or property opportunities.
We back opportunities that traditional banks reject by using business or property assets as security. With private lending in Melbourne designed for speed and flexibility, Knote provides practical solutions through first mortgages, second mortgages, caveat loans, and straightforward, commonsense 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 |
Founded by experienced business and property investors, Knote exists to provide smart, flexible finance solutions for Melbourne’s business community. The companies often require rapid access to capital, whether for acquisitions, settlements, cash-flow boosts, inventory, equipment upgrades, or when unsecured business loans from banks move too slowly.
Knote delivers fast business and property funding in Melbourne for entrepreneurs, developers, and investors across the city and surrounding suburbs.
When a settlement is approaching, a valuable opportunity emerges, or a time-sensitive deal arises, delays can be costly. Knote’s flexible lending options ensure you can move quickly, secure the funding you need, and stay ahead.
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.
Investing in land for commercial builds? We provide fast land banking finance in Melbourne to help you acquire prime development sites.
Want to fund a business using investment property equity? We can release it with a caveat.
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