Process
How it works, from first question to funds
Six steps, one conversation that matters, and no credit check until you decide to go ahead.
- 1
1. The 60-second enquiry
Tell us how much you need, what it is for, how long you have been trading, roughly what the business turns over, your credit history, any ATO debt and whether you own property. No credit check when you first enquire.
- 2
2. A real person calls
We talk through the story behind the numbers: what happened with previous lenders, what the money will do and how it gets repaid. This conversation decides the route.
- 3
3. Choosing the route
Unsecured cash flow funding sized on turnover, a low doc facility, or a loan secured by property by first mortgage, second mortgage or caveat. Sometimes a mix.
- 4
4. Documents
Usually six to twelve months of business bank statements, identification and your ABN. Property-secured loans add rates notices and mortgage statements. No valuation is needed before approval on secured loans.
- 5
5. Terms in writing
You see the amount, term, repayments and every cost in writing before you commit. No published rates, because each loan is priced on your situation.
- 6
6. Sign and fund
Documents are signed electronically. Smaller unsecured amounts can fund quickly; property-secured loans can fund in as little as 24 hours on straightforward deals once documents are signed.
What speeds things up
- An honest form. Credit history, ATO debt and time trading are the details that decide the route. Surprises later slow everything down.
- Bank statement access. Many lenders verify statements electronically in minutes.
- A clear purpose and repayment plan. Know what the money does and how it comes back.
- For property loans: the address, a rough value and the current mortgage balance.
Want to test the numbers first? Try the repayment calculator or the Loan Route Finder, then start your enquiry.
Common questions
How long does it take?
Simple unsecured requests with clear bank statements often get an answer within a business day. Property-secured loans depend on documents and any other parties involved, but can fund in as little as 24 hours on straightforward deals once documents are signed.
Do I need an accountant's financials?
Often not. Many alternative options work from business bank statements. Larger loans may ask for more, and property-secured loans focus on the equity and the exit.
Will my enquiry be sent to lots of lenders?
No. One team works your file. We do not sell leads or spray your details around.
What if I've already been declined?
Tell us who declined you and why, if you know. It helps us avoid the same dead end and choose a route that fits.
Heard no somewhere else? Ask the people who look at the whole business.
One short enquiry. No credit check when you first enquire, a real person reading it, and your details kept with one team instead of being shopped around.
No credit check to enquire
Not sprayed to a pile of lenders
A real person on your file