About Knead Funds

Knead Funds is an Australian business-finance guide and enquiry service, operated by the operators of Knead Funds. We publish practical, sourced information on cash-flow and working-capital funding, and we help business owners who want to go further by connecting them with a lending specialist who reads their situation and calls them back.

Why the name?

Because every owner knows the feeling of needing dough, and because a business, like a loaf, needs working to rise. The bakery wordplay is the part we have fun with. The advice underneath it is meant to be straight and careful.

Who we help

Small and medium Australian businesses that trade: cafes and bakeries, tradies and builders, retailers, clinics, transport operators, farms, online stores and professional firms. Owners come to us with very ordinary problems. A big customer is paying late. The BAS lands before the invoices clear. A second site needs a fit-out. The quiet season is longer than planned.

Cash-flow and unsecured

Typically $5,000 to $500,000, sized on turnover and bank statements

Property-secured

$20,000 to $5,000,000

Credit and ATO

Past credit issues and ATO debt considered case by case

Purpose

Business purposes only

How we work

You make a short enquiry, which takes about a minute. A lending specialist reads it and calls you. Together you work out which kind of funding fits, what it would need from you and how quickly it can move. Same-day funding is possible for smaller unsecured amounts, and larger property-secured amounts can sometimes move within 24 to 48 hours. Our how it works page sets out each step.

What we promise

• No credit check to enquire. Asking what is possible leaves your credit file alone.
• No spray and pray. Your details are not sprayed across a pile of lenders.
• A real person on your file. Someone reads what you wrote and rings you.
• No published rates. Every facility is priced on the individual situation, so we will not put a number on a page that could mislead you. Ask for the figure in writing and compare like with like.

How we write

The guides and funding pages are written by the Knead Funds editorial team. We cite public sources where facts matter, such as tax dates and thresholds from the ATO and the small-business guidance on business.gov.au, and we mark each page with the date it was reviewed. Where a worked example appears, it is an illustration and not a real business. Where we do not know something, we say so.

Where to start

If you are still working out the problem, try the Dough gap calculator or read our guides. If you already know what you need, make an enquiry, or call us on 02 7208 8220.