Finance for every industry, paid in time.
Personal, business, rural, equipment, property and invoice finance for people and businesses in five countries. Leave your email and we will tell you the day we open.
Six ways we can help
One team for the loan you need today and the one your business needs next season.
Personal loans
Funding for personal needs, from an urgent bill to a major life event.
Learn moreBusiness loans
Working capital and growth finance for businesses of every size.
Learn moreAgriculture & rural
Finance for farmers and rural businesses, built around seasons and harvest cycles.
Learn moreEquipment finance
Spread the cost of machinery, vehicles and tools so they pay for themselves as you use them.
Learn moreProperty finance
Loans for buying, building or refinancing residential and commercial property.
Learn moreInvoice solutions
Turn unpaid invoices into cash now instead of waiting 30, 60 or 90 days.
Learn moreFrom application to funds in four steps
Apply online
Choose your country and currency, tell us what you need, and submit the online application.
We review it
Our team assesses your details and contacts you if we need anything else.
You get a decision
We let you know the outcome by email or phone.
Funds are arranged
Once you are approved and accept the terms, we arrange your funds.
A sister brand of REALM Group Global
REALM Group Global connects farming communities across Australia, the United States, Canada, New Zealand and Fiji. Pay In Time - Finance brings that same network to money: straightforward finance for anyone who needs it, whatever industry they work in.