Accrutus Capital: Brisbane non-bank funding for growing businesses

Plenty of lenders do one thing well. Accrutus Capital, working from Brisbane’s Eagle Street, does a number of things: an unsecured loan, an invoice and trade facility, equipment finance and a property-secured bridge sit side by side on one page. For a growing business that doesn’t yet know which tool it needs, that spread can be useful, though it also means you should know what you’re choosing.

Everything below reflects Accrutus Capital’s published information as at October 2026. Terms and limits are the lender’s to change.

What does Accrutus Capital offer?

Product	What its website says
Unsecured working capital	Cash-flow-based loans without property security
Invoice and trade finance	Funding against invoices, with non-disclosed facilities and supplier payment terms extended up to 180 days
Business bridging loans	Short-term funding secured against property
Equipment finance	Funding for plant, vehicles and technology
Other non-bank products	Merchant cash advance, unsecured line of credit and peer-to-peer lending
Capital placement	Capital raising and alternative capital for larger needs

Facilities run from $50k to $5m on its main page. Its FAQ quotes $100k to $5m, so the practical floor may depend on the product. If you need less than $50k, an online lender such as Bizcap may be a closer match.

How does Accrutus Capital assess an application?

It describes its assessment as cash-flow and trading-history led, not property led. The business generally needs around 12 months of trading and a clean credit position. Typical paperwork:

• 12 months of business bank statements;
• invoices and purchase orders (for invoice and trade facilities);
• details of other loan commitments;
• ATO portal access;
• an assets and liabilities statement if asked.

That ATO portal request is worth noticing. It means the lender can see your lodgements and any tax debt directly, so there is no value in leaving a payment plan off the form. A business with an ATO arrangement in good standing is a very different proposition from one in default. Our ATO tax debt business loans page explains how lenders read that.

If you want to see how your turnover and commitments stack up before you apply, try the business borrowing power calculator.

How quick is it, and what does it cost?

The website describes a four-step path: an online pre-qualification, indicative approval in about one to three days, electronic signature, then settlement in roughly three to ten business days. Faster than many bank processes, slower than a same-day online loan.

On cost, Accrutus is unusually upfront about the trade-off: costs are higher than secured lending, particularly for large amounts over short terms, interest is compounded, and set-up, administration or early repayment fees may apply. It also notes application fees where you’re eligible. It doesn’t publish pricing, and neither do we. The right comparison is the total dollars repayable across the full term, taken from a written offer. The loan cost comparison calculator helps with that.

Want a view on whether a non-bank facility beats waiting for a bank? Tell us the amount and purpose and we’ll tell you honestly.

Who is Accrutus Capital a good fit for?

• Growing SMEs funding hiring, stock, equipment or expansion.
• Owners who can’t meet a bank’s documentation timetable but have strong, provable cash flow.
• Importers and wholesalers wanting invoice or trade facilities that don’t tie up the family home. See trade finance.
• Businesses bridging an ATO obligation or a short cash gap, with a sensible repayment plan.

It is a harder fit for businesses with under 12 months of trading, owners wanting the cheapest possible long-term debt (a bank is usually better if you meet its criteria), and anyone borrowing for personal rather than business purposes.

Similar lenders to compare

For invoice and trade finance, compare with ScotPac and Earlypay. For unsecured loans, Bizcap and Prospa are the obvious references. Our non-bank business loans guide lays out how non-banks differ from banks.

If Accrutus Capital says no

• Under 12 months’ trading? Equipment finance and property-secured loans don’t lean as heavily on history.
• Stuck waiting for customers to pay? Invoice finance grows with sales.
• Declined by a bank first? Many owners come here after a bank says no. See declined by the bank for a calm step-by-step.
• Just need breathing room? Read about working capital options.

A quick check before you commit

Picking between half a dozen facility types is hard without someone to bounce it off. Our short form takes about a minute, leaves your credit file alone, and goes to one team rather than being sprayed around lenders. A real person reads your answers and rings you.

Please be exact about turnover, trading time and what you already owe: the more accurate the picture, the more likely the first lender we suggest is the right one.

See which facility suits you →