At a Glance
Loan Amount
$25K – $500K
Term
1 – 5 years
Rate
20% p.a.
Repayments
Equal weekly
Security
Mortgage
Funding
Within days
Financials
Not required
Exit Strategy
Built-in
Key Features
No Exit Strategy Required
Unlike bridging or interest-only loans, this product has a built-in repayment structure. Your weekly payments fully amortise the loan over the term — no need for a separate exit plan.
Fixed Weekly Repayments
Know exactly what you'll pay each week for the life of the loan. Equal weekly instalments make budgeting straightforward with no surprises.
Flexible Terms
Choose a term that suits your cash flow — 1, 2, 3, 4, or 5 years. Longer terms mean lower weekly repayments.
Fast Approval
Applications are assessed quickly by our lending committee. Once approved and signed, funds can be available within days.
Simple Structure
Add-on interest is calculated upfront so you know the total cost from day one. No compounding, no variable rates, no hidden charges.
Business & Investment Purposes
Available for a wide range of business and investment purposes including working capital, debt consolidation, property purchase, and equipment.
Repayment Calculator
See your estimated weekly repayments based on loan amount and term.
Repayment Summary
156 equal weekly payments over 3 years
This calculator is intended as a guide only. All figures are indicative and subject to final credit assessment and loan approval. Early repayment will incur the full contract price.
How It Works
A straightforward process from application to funding.
Apply
Provide basic business information, security property details, and your preferred loan term. No lengthy application packs required.
Security
Secured by first or second mortgage over real property — residential, commercial, or industrial. Valuations are arranged as part of the process.
Assessment & Approval
Our lending committee reviews your application. We assess the deal structure, security quality, purpose of funds, and your capacity to service the weekly repayments.
Funding
Once loan documentation is signed, funds are released and your weekly repayment schedule begins. Our in-house solicitors handle all documentation internally.
Common Use Cases
A structured repayment loan for businesses that need capital without a defined exit strategy.
Debt Consolidation
Consolidate multiple debts into a single weekly repayment, simplifying your finances and providing a clear payoff timeline.
Working Capital
Inject capital into your business for operational expenses, growth, or cash flow management with predictable weekly repayments.
Property Purchase
Finance investment or commercial property with a structured repayment plan rather than relying on a future sale or refinance.
Plant & Equipment
Purchase machinery, vehicles, or specialist equipment and pay it down over a term that matches the asset's useful life.
Tax Debt
Clear outstanding ATO obligations and repay the loan in manageable weekly instalments rather than facing enforcement action.
Business Acquisition
Fund the purchase of a business or buy out a partner with a clear repayment structure from day one.
Eligibility
- Australian company or trust (with corporate trustee)
Borrower must be an Australian registered company or trust with a corporate trustee.
- Real property available as security
Residential, commercial, or industrial property located in Australia.
- Business or investment purpose
Loan must be for business or investment purposes. Consumer or personal loans are not available under this product.
- Capacity to service weekly repayments
You'll need to demonstrate the ability to meet the weekly repayment schedule from business income or other sources.
Early Payout
If you choose to repay your loan early, the payout figure is calculated using the Rule of 78s method.
How the Rule of 78s Works
The Rule of 78s is a method for allocating interest across the life of a loan. It assigns a greater proportion of interest to earlier periods, meaning the lender earns more interest in the early stages of the loan.
When you pay out early, you receive a rebate for the unearned interest — the portion of interest allocated to the remaining weeks of the loan. Your payout figure is the remaining scheduled payments minus this rebate.
Because interest is front-loaded, the rebate is proportionally smaller earlier in the loan term and larger closer to the end.
Payout Summary
This calculator is intended as a guide only. Actual payout figures may vary and will be confirmed by Strive Financial upon request. The Rule of 78s method allocates a greater proportion of interest to earlier periods of the loan.
Frequently Asked Questions
Strive Financial provides business and investment loans only. We do not provide consumer credit regulated under the National Consumer Credit Protection Act 2009. All loan approvals are indicative and subject to verification, valuation, and final credit assessment. Early repayment of this product will incur the full contract price. All figures shown on this page are indicative only.
Ready to Get Started?
Fast, reliable business and investment loans — when timing matters.