Smart financial solutions
Finance for Small Businesses and Property Traders
Access the equity in your home or investment property to secure fast, smart finance, without refinancing your main bank loan.
Borrow up to $150,000
Access up to 80% LVR
Keep your bank loan unchanged
Instant estimate. No credit check required.
Our loans
Access the equity in your home or investment property without refinancing your main mortgage.
Smart. Simple. Fast.
Small Business Loan
Fast funding up to $50k for business growth, bridging finance, or renovations.
Learn more
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Flexy's loans are for:
01
Property Investors
Unlock equity or short-term bridging finance to secure your next investment property.
02
Property Traders
Buy, renovate, and flip property with quick, flexible capital.
03
Small Business Owners
Cash flow support when you need it most.
04
Businesses with Tax Arrears
Keep trading while clearing urgent IRD debts.
05
Buyers Short on Settlement Funds
Top up the shortfall between your bank loan and the funds needed to complete settlement.
06
Clients Needing Fast Bridging
Release equity from a property you’ve sold, before settlement occurs, to use as a deposit on your next purchase. Ideal when you’ve sold but need funds for your next move.
Why Flexy
Built for Property Traders, Investors, and Small Business Owners
Flexy is a specialist property lender, and completely unlike the bank. We understand the urgency of settlement timelines and renovation schedules. You won’t find endless forms, slow credit teams, or rigid requirements here. Instead, you’ll get practical, fast-moving finance for real-world deals. Our loans are structured to move as quickly as you do.
Transparent fees and terms
Up to 80% Loan to Value
No need to refinance your bank loan
Fast approvals with real-world understanding
Recently funded second mortgages
Loan purpose:
Cash Flow to Meet IRD Tax Arrears Payments.
A construction company had negotiated a payment plan with IRD for outstanding tax, requiring a partial up-front payment followed by monthly repayments. While they had a confirmed pipeline of upcoming projects, income from these jobs wouldn’t arrive in time to meet the IRD deadline. To avoid the risk of liquidation, they secured a second mortgage on the shareholders home, providing cash to make the initial IRD payment and keep the business running.
A near-complete project will provide enough cash to repay their short-term equity release.
Interest:
Amount:
$50,000
Loan term:
6 months
Loan purpose:
Relocating a House to Unlock Value.
A client owns a property with a bank mortgage but needed funding to relocate a second house onto the section. They already had land use consent, so Flexy provided funding to complete the physical house move. The client then obtained CCC, allowing the bank to see the property as multi-dwelling.
Once CCC was complete, the bank accepted their 'as-if complete' valuation and refinanced their short-term project debt at a low bank rate.
Interest:
Amount:
$76,000
Loan term:
3 months
Loan purpose:
Building Materials for a Townhouse Development
A building company locked in a great townhouse project but needed funds upfront to secure materials. Our loan gave them the cash flow they needed to keep the build on schedule, ensuring materials were ordered and work continued without delays.
The building contract allows monthly milestone payment claims. The loan will be repaid over the 6 month term from business cash-flow, without any early repayment penalties.
Interest:
Amount:
$110,000
Loan term:
6 months
Loan purpose:
Bridging Between Settlements.
A client had sold a property but was waiting on settlement funds. They found their next deal at auction but needed fast cash for the deposit. Flexy provided a short-term loan secured against their equity, allowing them to bid and secure their next property without missing the opportunity.
Once their pre-sold property settles, the funds from the sale will be used to repay Flexy.
Interest:
15% interest paid monthly
Amount:
$46,000
Loan term:
3 months
Loan purpose:
Funds to Renovate a Property
A borrower purchased a trade property at a mortgagee sale but needed funds to start renovations. They had already sold another trade property, but the settlement was still pending. Flexy provided an equity release loan, allowing them to begin renovations immediately.
The borrower has sold another property with 2 months until settlement, with enough funds to repay Flexy's equity release.
Interest:
15% interest paid monthly
Amount:
$31,980
Loan term:
3 months
Contact us
Frequently asked questions
Flexy provides short-term property loans, including:
-
Second mortgages
-
Bridging loans
-
Renovation loans
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Equity release loans
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GST advance loans
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Business cashflow loans
We specialise in loans up to $150,000, secured by residential or investment property.
-
Applications are usually made through your mortgage broker, or directly through our online application form. Once we’ve reviewed your details, we’ll issue an offer directly to you for signing
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We keep your main bank loan in place and provide a second layer of funding.
-
We can lend up to 80% LVR when combined with your first mortgage.
-
Our focus is on fast, flexible, short-term solutions with clear exit plans.
-
In most cases, we can provide an approval within 1–2 business days.
Once we have all required information, advance usually happens within a few more days after AML and other conditions are met.
Flexy loans are typically up to $150,000, however we will consider higher amounts on request. The exact amount depends on your equity position and the strength of your exit strategy.
We always take a second mortgage, either secured by caveat behind a bank, or a full second mortgage behind non-bank lenders. A general security agreement (GSA) is always required. Full details will be provided in a loan offer.
Flexy loans are interest-only: interest is paid monthly, with the full principal due at the end of the loan term. In some low LVR cases, we can capitalise the interest on request.
What our clients
say about us
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Payton Hillman
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Max Johnson
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