Australia’s small business sector is one of the most resilient parts of the economy, but it rarely gets the attention it deserves. Entrepreneurs are out there every day creating jobs, contributing to their communities, and keeping the economy moving. Despite all of this, many still find it difficult to access the kind of funding that actually supports sustainable growth. Traditional loans often bring high interest rates, quick repayment schedules, and little flexibility—exactly what early-stage founders don’t need.
This problem is even more noticeable among business owners who also happen to be homeowners. While many of them have solid equity in their homes, turning that into usable capital is not always easy. Refinancing through a major bank can be a slow and cautious process, and short-term debt can introduce financial pressure just when they’re trying to stabilize.
That is where BuySooner offers something different. The company began by helping first-time homebuyers enter the property market. Now, it is expanding into a space where many small business owners have long been underserved. Instead of providing a loan, BuySooner gives business owners a lump sum of capital in exchange for a small, temporary equity share in their home. This arrangement does not appear on the title, does not require monthly repayments, and does not charge interest.
Repayment typically happens when the homeowner refinances or sells their property. In many cases, this occurs within three years, supported by Australia’s strong track record of residential property growth, which often exceeds 8 percent annually.
For small business owners, this kind of support is often far more useful than a traditional loan. Many Australian banks offer unsecured business loans with strict repayment terms and limited flexibility. Even when the loan is secured by a home, repayments tend to start immediately. This can quickly drain liquidity and create stress for businesses that rely on seasonal income or irregular cash flow. In these cases, borrowing more can actually make the situation worse.
BuySooner’s approach helps business owners avoid that cycle. By offering capital backed by home equity, the company frees up cash that can be used to grow, invest in inventory, or extend a financial runway. When the business becomes more stable, or the home increases in value, the owner can buy back the equity either gradually or in a single transaction.
This structure gives business owners something they rarely get from lenders: time. In some cases, BuySooner allows up to six years before repayment is due. And if the business does not generate the expected revenue, the company’s position is still secured by the value of the home, which tends to increase in most major Australian markets.
In addition to its equity-based model, BuySooner also offers a Buy Now Pay Later (BNPL) product for more immediate needs. This option helps businesses cover urgent expenses with repayments set every two or four weeks. If the business cannot meet the repayment schedule, BuySooner converts the balance into a small equity share in the home. This protects both the business and the lender, while still offering needed flexibility.
Here is how the model works:
- Funding starts at $50,000 and is secured by a share of equity in the homeowner’s property.
- The customer keeps full ownership and can buy back the equity at any time, either gradually or all at once.
- There is no interest, no amortization schedule, and no penalty for early repayment.
- Customers who use the Boost product must also take out a home loan with BuySooner. These loans are priced competitively with major banks and are structured to sit in both first and second mortgage positions, strengthening the overall risk profile.
For small business owners, this avoids the cash flow crunch that can often derail new ventures. For BuySooner, it creates a scalable financial model that works in step with the customer’s success.
This approach is especially well suited for:
- Entrepreneurs who own property but lack liquid capital.
- Salaried professionals who are building businesses on the side.
- Founders dealing with seasonal income, unpredictable growth, or nontraditional business models.
As with its homebuyer offering, BuySooner is tapping into a major source of untapped value. Australian homeowners hold more than $11 trillion in residential property equity, much of which is difficult to access through standard financial channels. BuySooner is unlocking that value and putting it to work for the people who need it most.
The company is not focused on high-risk startups or low-income borrowers. Instead, it targets middle-market Australians who earn a steady income but lack access to capital. By offering a flexible, asset-backed structure that meets business owners where they are, BuySooner is positioning itself not as a last resort, but as a reliable pathway to upward growth.
In a financial environment where businesses are often expected to repay before they have a chance to get established, BuySooner’s model delivers something rare: time to grow, time to breathe, and time to succeed.
