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Small Business Loan
Fast funding up to $50k for business growth, bridging finance, or renovations.
Learn more
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What is a GST Facility?
A GST Facility lets you borrow the GST refund in advance and use it toward your deposit, so you don’t need as much cash to settle.
Flexy lends up to $150,000 as a top-up alongside your first lender, helping you complete your purchase without draining your cash reserves.
Think of your lending in layers:
Base layer (from your main lender, typically up to 70% of the property value). We can organise the first mortgage for you if required.
Top layer (from Flexy, advancing the GST amount upfront and repaid once IRD refunds it).
Your Cash Deposit: You only need to contribute 17.5%
Flexy's GST Loan Facility Calculator
How much can I borrow?
Enter your purchase price and we’ll estimate your eligible GST funding.
To qualify for the GST Facility, you’ll need to own another property (such as your home or a rental) with enough equity to support the loan.
*Estimate only. Loan approval is subject to review.
Flexy's GST Loan Facility Calculator
How much can I borrow?
Enter your purchase price and we’ll estimate your eligible GST funding.
To qualify for the GST Facility, you’ll need to own another property (such as your home or a rental) with enough equity to support the loan.
*Estimate only. Loan approval is subject to review.
Key features of our GST Facility Loan
Max loan
Based on the GST component of your property purchase
Security
Second mortgage over home or investment property
Max LVR
Up to 80% LVR of GST exclusive purchase price
Loan term
3 months
Interest
Interest only paid monthly. Optional 1 month interest capitalised
Exit plan
Repaid once GST refund is received from IRD
Eligibility
Loans must be to a company or trust. We do not lend to individuals.
Approval speed
Same or next-day approval.
Note: this facility can not be used for zero-rated purchases
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Funds must be borrowed for investment-related purposes only.
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Borrowers must settle the property into a GST registered entity.
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Flexy cannot be used for zero-rated GST purchases.
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Security over the project, or suitable property required.
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Borrowers must promptly claim GST on the property purchase.
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Borrowers must not have any overdue IRD accounts that could impact the GST refund process.
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If selling another property in the same GST period as the new settlement, the borrower must ensure the GST refund and cash reserves cover the Flexy loan repayment on the due date.
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Full terms and conditions are provided with the loan offer.
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To qualify for the GST Facility, you’ll need to own another property (such as your home or a rental) with enough equity to support the loan.
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Who is this loan for?
Small Business Owners
Needing fast lending for cash flow, wages, or marketing spend.
Retail & Hospo Operators
Covering urgent costs like stock purchases, repairs, or slow trading periods.
Contractors & Tradies
Bridging cash gaps between invoices or funding materials upfront.
Businesses Behind on Tax
Clearing urgent IRD payments without bank delays.
Business Buyers
Accessing short-term funds to secure or settle a small business purchase quickly.
Who is this loan for?
01
Property traders and developers
Pair Flexy’s GST Facility with your first mortgage lender. We advance your GST refund on settlement day, secured against either the property you're buying or another one you own - helping you reach 80%+ combined LVR without needing extra cash.
How does a GST Facility work?
Scenario 1
Using another property to unlock full GST
You’re buying a property for $1,150,000 (including GST)
GST-exclusive price: $1,000,000
Your main lender funds 70% of the full price = $805,000
That leaves $345,000 needed to settle - a big cash requirement.
If you own another property (like your home or rental) with equity, Flexy can help:
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We secure our GST Facility against that second property
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We advance up to $150,000 to reduce your deposit requirement
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Your new total lending is $955,000 (≈ 80% LVR on $1.15m)
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You now only need $195,000 cash, not $345,000
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Once you get your GST refund from IRD, you repay Flexy and close the loan
Result: You unlock the full GST as part of your deposit, reduce the cash needed to settle, and use both properties to make the deal work.
Scenario 2
Using the purchased property
You’re buying a property for $1,150,000 (including GST)
GST-exclusive price: $1,000,000
Here’s how it works:
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Your first lender funds 70% of the GST-exclusive price = $700,000
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Normally, you’d need $450,000 in cash to settle
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Flexy provides a GST Facility of $100,000, secured by the same property
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Total lending is now $800,000 = 80% LVR on the GST-ex price
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You now only need $350,000 of your own cash (not $450,000)
Result: You reduce your cash required at settlement by borrowing the GST refund amount upfront
How our lending works
01
Apply online
Just enter your property address, current lending, and your exit strategy.
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Fast review
We check your title, LVR, and exit plan. Most approvals are same-day.
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Sign & fund
Sign your loan offer, complete any conditions, and visit your solicitor. Once signed, we release the funds.
Why apply for lending with Flexy?
We’re a lender that understands property and speed.
No slow bank credit teams, no income statements just clear, fast lending.
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Simple online application
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No need to refinance your bank loan
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Built for traders, investors, and business owners
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Transparent pricing and fast approval
GST Facility FAQ's
Yes. Flexy can arrange both your GST Facility and first mortgage using our network of non-bank lenders. If your deal involves a complex restructure, we may charge a facilitation fee on the first mortgage - but we’ll always let you know upfront.
Most applications are approved within 1 day. We release the funds on the same day your first mortgage settles, provided your solicitor is ready and all conditions are met.
In simple terms: if you call us today, a 1-week turnaround is no problem and in urgent cases, we can advance funds in as little as 3 days.
No you’re borrowing from Flexy, using the expected GST refund as the source of repayment. You still claim the GST refund from the IRD as usual.
Flexy registers a second mortgage or caveat, either over the property being purchased or another property you own with equity.
Yes the borrower (company or trust) must be GST-registered and intending to claim the GST refund on the purchase. You will need to provide your GST number to us in advance.
Your GST refund is usually paid to your accountant or directly to you, depending on your setup. You then request a repayment statement from Flexy which will have an amount required to repay the loan. Once paid, we provide your solicitor with an authority to discharge the security.
The GST Facility is repayable within 3 months, but if IRD delays your refund, we may be able to extend the loan. You’re still responsible for repayment, and interest will continue to accrue until the loan is cleared.
If your refund is denied, we’ll work with you on a new repayment plan - but it’s important to have a backup strategy in place.
What our clients
say about us
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Payton Hillman
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Max Johnson
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Chloe Wilson
Who we help
Property investors
Property traders
Small businesses
Businesses in tax arrears
