Lender panel
TruCap through Lyft Money
TruCap is an Australian non-bank lender providing short-term secured and unsecured business funding, often to businesses that need a solution quickly or do not fit standard bank policy. It is broker-distributed and is typically used where property or another asset can support a facility and a clear exit — a refinance, a settlement or a receivable — is in sight.
Lyft Money is an independent broker. TruCap is one of 18+ lenders on our panel; we are not TruCap and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $50,000 – $3,000,000 |
|---|---|
| Typical speed | Commonly several business days to two weeks |
| Products we place | Secured business loan, Unsecured business loan, Business debt consolidation loan |
| Website | trucap.com.au |
Where TruCap is strong
- Flexible credit approach for files outside standard bank policy
- Secured options where property or assets are available to support the facility
- Broker-led process with direct access to decision makers
Things to weigh up
- Short-term pricing is well above mainstream lending
- A credible exit strategy is generally required before approval
- Security, legal and valuation costs can add to the total
Short-term non-bank funding is bridging money. It buys time — to settle a property, to complete a refinance, to collect a large receivable, to take an opportunity that will not wait for a bank timeline. Priced accordingly, and structured around how it will be repaid rather than how long it can run.
We only recommend this kind of facility where the exit is genuine and documented, because the cost of a short-term loan that becomes a long-term one is severe. We set out the total cost including legal and valuation charges before anything is submitted.
Key terms
TruCap short-term business loan
A non-bank facility, often secured by property or business assets, used to bridge a defined period until a specific repayment event occurs.