About us
About Pronto Loans
Business finance for the people who pull the shots, run the pass and open the shutters every morning.
In an Italian café, pronto means ready. It's what the barista says when your coffee is on the counter, and how many Italians answer the phone. We chose the name because it describes the kind of help hospitality and retail owners need: someone who picks up, understands the business straight away and is ready to work on the problem with you.
Who we help
Pronto Loans focuses on hospitality and independent retail. That means cafés and coffee shops, restaurants, small bars and wine bars, bakeries and patisseries, takeaways and pizza shops, and independent shops of every kind: boutiques, bottle shops, delis and grocers, florists and gift stores.
These businesses share a few things that generic lenders don't always understand. They trade in rhythms, with Christmas rushes, winter lulls, long weekends and quiet Januaries. They spend heavily before they earn, on fit-outs, espresso machines, cool rooms and stock. And they're wage-heavy, now more than ever with super paid on every pay run. We built this site around those realities.
What we help fund
- Fit-outs and refurbishments, from a bare shell to a tired dining room that needs a second life.
- Commercial kitchen equipment, espresso machines, refrigeration and shop fittings.
- Stock ahead of the busy season, and the bulk buys that make sense.
- Seasonal cash flow through quiet months, BAS quarters and heavy wage weeks.
- Growth: a second site, buying a venue or buying out a partner.
Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property. Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Bad credit and ATO debt considered case by case. Business purposes only.
Our promises
No credit check to enquire
Asking what's possible leaves your credit file untouched. A credit check is only discussed once you decide to go ahead.
No spray-and-pray
Your details aren't passed around a room full of lenders. One team looks at your venue or shop and matches it properly.
A real person on your file
Someone who understands hospitality and retail trading reads your enquiry and rings you. Accurate answers on the form mean a better match first time.
We say these on every page because they matter. Enquiring doesn't touch your credit file. Your details aren't sprayed around a crowd of lenders who then ring you in the middle of service. A real person reads your enquiry, gets to know your business and talks you through the options that fit. In return, we ask one thing: fill in the form accurately, so we can match you properly the first time.
How we work
We start with your situation, not a product. What do you need, what's it for, how does your business trade and what security, if any, is available? From there we explain what's realistic, including the options that might not suit you and why. We don't publish interest rates, because every loan is priced on the business's own circumstances. You'll get real numbers once we understand yours.
Alongside the finance, we publish free tools and plain-English guides: a fit-out cost estimator, a seasonal trade planner and guides on everything from GST on food to signing a retail lease. They're written for owners who like to understand the numbers before they commit.
Who we are
Pronto Loans is operated by Company Cash Pty Ltd (ACN 673 762 297), trading as Pronto Loans. Our office is at Level 27, Santos Place, 32 Turbot Street, Brisbane QLD 4000. We work with hospitality and retail businesses right across Australia.
Ready when you are: see what your venue or shop could qualify for
One short enquiry, no credit check when you first enquire, and a real person who knows hospitality and retail calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file