Borrow $100K to $40M with ZERO Repayments for 36 Months
Secured business loans up to 80% LVR. No monthly repayments. No credit checks. No bank hoops. Funds in as little as 72 hours.
No repayments (3 yrs)
No financials needed
Business-use only
Fast Settlement
Private Funding
Aus-Wide Security
Why 36 Months With No Repayments Changes Everything
Most lenders want you to repay from Day 1.
That’s fine if your project generates instant cash. But what if it won’t?
The Old Way (Banks)
Immediate monthly repayments drain cash flow
Strict servicing requirements (tax returns)
Credit score impacts approval
Slow, bureaucratic process (4-8 weeks)
No drain on your cash flow
Keep your capital for the project.
No monthly pressure
Focus on the build, startup, or sale.
No "servicing" required
We don’t need to see income to approve.
Our Core Product
Fast. Flexible. Property-Secured.
High Limits
Loans from $100K to $40M+
High LVR
Borrow up to 80% LVR
Rapid Speed
72-hour settlements possible
Payment Free
No repayments for 36 months
Easy Access
No servicing or credit checks
Versatile
Bridging, dev, & equity release
This is not a bank loan
We don’t ask for tax returns. We don’t check your credit.
We don’t make you jump through hoops. We look at your asset, your purpose, and your plan — and we fund it. Business owners across Australia are unlocking capital with zero monthly repayments, often within 72 hours.
Use The Funds For…
Property Development
Equity Release
Unlock cash tied up in your property for working capital.
Construction
Kickstart projects or cover unexpected cost overruns.
Consolidation
Consolidate debts or replace slower, expensive loans.
Bridging Finance
Perfect for buying a new site before selling the old one.
ATO & Credit Fixes
Clean up tax debt or credit file issues swiftly.
Fast Loan Types Overview
Interest can be capitalised on all options = no monthly servicing required.
Loan Type
Amounts
Up to
Ideal for
Core Business Loan
$100K – $5M
80% LVR
Growth, cashflow, no-doc equity release
Bridging Loan
$200K – $10M
70% LVR
Buying before selling, short-term gaps
Development Loan
$1M – $10M
70% LVR
Construction, permits, DA uplift, build
Jumbo Capital Loan
$5M – $40M+
70% LVR
Large deals, high-stake transactions
No trading history or financials required for most products.
What Makes Click Capital Different?
No monthly repayments
No credit score requirement
No servicing calculations
Property anywhere in Australia
We fund what banks won’t
Fast: 3–5 day settlements common
Real People: Talk to us anytime
Safe: Fully licensed & regulated
Smart Financial Moves Start Here – Claim Your Free Guide!
Your Personalized Financial Blueprint for Success
🚀 Quick & Easy Download – No lengthy sign-ups
📊 Insights for Growth – Backed by financial experts
🔎 Designed for Your Industry – Practical, real-world advice
Repayment Calculator
Adjust the loan amount, interest rate, and repayment period to determine the monthly payment. You can also modify the monthly payment to estimate the potential loan amount.
Disclaimer: This calculator provides estimates for informational purposes only. Speak to our licensed Finance Brokers to assess suitability. Terms, conditions, fees, and minimum loan amounts apply. Credit approval and interest rates depend on your credit profile and the asset being financed.
Your Results
Monthly Payment: $0.00
Total Payment: $0.00
Total Interest: $0.00
Trusted by Borrowers Across Australia
Development Saved by Fast Funding!
“We had a 4-townhouse project stall due to bank delays. ClickCapital stepped in with a construction loan in days. The no monthly repayment feature meant we could focus purely on the build without cashflow stress.”
Bridging Loan Settled in 72 Hours!
“I found the perfect commercial site but hadn’t sold my old property. The banks said ‘no’ because I couldn’t service both debts. ClickCapital looked at the equity, not the income, and funded the gap instantly.”
Equity Release with No Red Tape
“My credit score wasn’t perfect, but I had plenty of equity in my warehouse. ClickCapital didn’t ask for tax returns or credit checks. They released $300k for my business expansion seamlessly.”
Got questions? We’ve got answers!
Do I need to make any monthly repayments?
Is there a credit check?
What if I already have a mortgage?
How do I qualify?
How fast can I get funds?
Can I speak to someone before applying?
Yes — you can book an appointment and we’ll walk you through it.
Professional brokers dedicated to securing the right funding for you.
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Disclaimer: Clickcapital helps Australian firms access business finance, working directly with firms and their trusted advisors. We are a credit broker and do not provide finance products ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Clickcapital can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness, we may receive a commission or finder’s fee for effecting such introductions. Clickcapital does not provide any kind of advice and in giving you information about providers products, we are not making any suggestion or recommendation to you about a particular product. Offers of finance are subject to a separate assessment process by the provider and subject to their terms and conditions. If you feel you have a complaint, please read our complaints section which is contained within our terms and conditions.
Things you should know: No repayment period offer available to new and existing approved customers on a new or refinanced Prospa Small Business Loan settled between 3 May and 30 June 2021 (inclusive). Approved customers can elect to take an optional initial no repayment period of between 1 to 8 weeks, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 8 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense, and forms part of the regular fixed daily or weekly principal and interest repayments due on each payment date following the end of the no repayment period. Offer only available to businesses established and operating in Australia. Offer not available to refinance an existing Prospa loan that is within a no repayment period at the time of application, or in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.
100 Douglas Parade, Williamstown Victoria 3016 Australia
