Lightning Capital
Fast, flexible business funding for Australian businesses. Get approved in 3 hours, not weeks.
ABN: 43137741210
Fast • Flexible • Trusted
Fast Business Funding, No Bank Drama
Get $5K–$500K approved in 3 hours. No credit checks. Flexible repayments. Join 1,500+ Australian businesses growing with Lightning Capital.
1,500+ Businesses
$50M+ Funded
98% Approval Rate
$50M+
In Loans Funded
3 Hours
Average Approval Time
98%
Approval Rate
Our Solutions
Choose the Right Funding for Your Business
Rapid Business Loan
Best for urgent
$5K–$500K
3hr approval
Fast access to capital when you need it most. No upfront credit check. Flexible repayment terms tailored to your business.
Business Growth Loan
Best for expansion
$10K–$500K
Flexible terms
Invest in expansion, equipment, and hiring. Capital designed to fuel your business growth with flexible repayment options.
Asset Backed Loan
Best for larger
$25K–$500K
Asset-backed
Leverage your assets for larger loan amounts. Early payout discounts available. Unlock the value in your business assets.
Line of Credit
Best for flexibility
Up to $750K
Draw as needed
Keep funds ready to draw when opportunity hits. Flexible repayments. Up to $750K available for qualified businesses.
Why Choose Us
What Makes Us Different
Speedy Funding
Get approved in as little as 3 hours. No waiting weeks for bank decisions. Fast approval means faster growth for your business.
Learn moreFlexible Repayments
Repayment terms tailored to your cash flow. Weekly, bi-weekly, or monthly options. Early repayment discounts available.
Learn moreOpen to More Businesses
We fund businesses that banks often decline. No strict credit requirements. If you have consistent revenue, we can help.
Learn moreTransparent Terms
No hidden fees or surprises. Clear, upfront terms. We believe in honest communication and straightforward lending practices.
Learn moreHow It Works
Get Funded in 4 Simple Steps
1
Apply in minutes
Step 1: 5 minutes
Complete your online application in under 5 minutes. Minimal documents required.
2
Quick assessment
Step 2: 3 hours
We review your business holistically. No up-front credit check. Fast, open-minded underwriting.
3
Funds in your account
Step 3: 24 hours
Approved in as little as 3 hours. Funds transferred directly to your business account within 24 hours.
4
Grow your business
Step 4: Ongoing
Use the funds to cashflow, scale, hire, expand. Boost your business growth with flexible repayment options.
FAQ