Rating based on 47 reviews


  • Short-term loans up to $2,000,000
  • Cash in 24 hours
  • Repayment up to 6 months

In-page navigation

IBF homepage
Author IBF. Screenshot of IBF website.
[Accessed March 15, 2023]

About IBF

Need a short-term loan now? At IBF we offer quick cash loans to business owners who need it!

When banks won't give in

Banks are filled with technical terminology, strict application criteria, red tape and a long application process and you should not have to lose out on fantastic business opportunities because of them.

When the banks won't give in - IBF is here to offer you a quick online loan solution.

Direct lender with experience

We've been doing this for more than 8 years and have streamlined our application, approval and crediting process to the point that we can guarantee you'll get your business loan in 48 hours or less!

We're also a direct lender so you can rest assured that you won't have to deal with a middleman who wants a share of the pie. 

IBF Services

We offer short term cash loans to business owners who have a genuine business need for the loan and who can offer up security in the form of property.

How much can I borrow with IBF?

At IBF we offer business cash loans from $20,000 and $2,000,000 that just about anyone can apply for and - we do it 100% online because, as a business ourselves, we hate wasting time just as much as you do. Although we're not a bank - we can offer you more money than most banks will - as long as you have the equity to back it up.

We essentially offer quick loans online with a loan term that will vary from 1 to 6 months - these are basically caveat loans for business owners in Australia.

What can I do with my loan?

Chances are you probably know exactly what you want to do with your short-term cash loan and, you'll be relieved to know that we place no restrictions on what you can use the loan for as long as it is for a genuine business purpose.

IBF – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to $2,000,000
  • Repayment 1 month to 6 months
  • Decision 24 hours

Benefits of IBF

  • Get a short-term business loan online
  • Applications are quick and easy
  • Get your loan in 24 hours

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a short-term business loan with IBF, simply apply online

Why borrow money with restrictions? At IBF we offer flexible short-term loans that can get you approved for a whopping $2,000,000 in just 48 hours or less!

We are fast and efficient

When it comes to lending money as a business you need a lender that will truly understand you and your needs. Large banks have a corporate mentality and are unable to understand you like us! We can process and approve loans in just 24 hours (up to 48 hours) and are so efficient our customers always return when they need another quick loan!

Affordability for your business

Since we offer secured short-term loans only we have the ability to offer business owners the best rates and minimal application and management fees.

We understand that although you need a short-term loan only and are not looking for a long term commitment - you also need an affordable loan that won't eat away at your profit margins or destabilize your business.

We offer a low rate of 4% per month on our short-term business loans - an affordable rate that will ensure your business stays profitable and in the green!

Why use IBF

Here are some of the most common reasons business owners take out a quick loan at IBF to:

  • Buy a business
  • Purchase stock
  • Purchase equipment
  • Upgrade equipment or conduct repairs
  • Pay taxes
  • Pay staff during off-peak seasons
  • Expand their businesses or refurbish premises

24-hour loans

Being a business owner means you're probably aware of just how fast a business opportunity can come and go and, when you spot an opportunity you just can't pass up - IDF can provide you with the liquid cash to get in on it fast. We strive to process and approve all of our loans within 24 hours and we've made good on this promise time and time again. Apply for a loan online - get approved in 24 hours and start making that money! 

Customer Reviews & Testimonials

April 2019

With the assistance of a short-term loan from IBF, I was able to get my business up and running. Their loans are affordable so I can also repay it without facing any issues in the future.

Jerry S
— Derby —

September 2018

They are fast and they are efficient. They know how to get things done. No more sitting and worrying; you can get the answer that you need within a few minutes of applying.

Karen D
— Canberra —

IBF Contact

Contact Number


  • not available


Physical Address

  • National Head Office: Suite 6 / 170 Underwood Rd, Ferntree Gully VIC 3156 Australia
  • Get Directions

Postal Address

  • GPO Box 940G, VIC, 8060

Opening Hours

  • Monday 09:00 – 00:00
  • Tuesday 09:00 – 00:00
  • Wednesday 09:00 – 00:00
  • Thursday 09:00 – 00:00
  • Friday 09:00 – 00:00
  • Saturday 09:00 – 00:00
  • Sunday 09:00 – 00:00