How it works
From first question to funding, step by step
Five steps, none of them mysterious. Here is what happens and what we need from you at each one.
Business funding feels complicated mainly because nobody tells you the order of things. Here is the order. You ask, a person reads, you hear options, you decide, and only then does the paperwork start.
- 1
1. Mix: tell us what you need (about 60 seconds)
Amount, purpose, state, how long you have traded and roughly what comes in each month. It does not touch your credit file.
- 2
2. Prove: a lending specialist reads it and rings you
Usually the same or next business day. The call is about your situation, not a script: what is happening, what it costs you if nothing changes and what would help.
- 3
3. Options that fit
You hear which routes are realistic: unsecured or property-backed, a lump sum or a line of credit, and roughly how quickly each could move.
- 4
4. Paperwork, only when you say go
Typically bank statements, ID and ABN or ACN details, with property documents for secured funding. A credit check only arises once you choose to proceed.
- 5
5. Bake: funding
Funds go to your account or straight to whoever needs paying. Timing depends on the lender, the amount and how ready your documents are.
What should I have ready?
For the first call, nothing more than a rough idea of the amount, the purpose and your monthly takings. If you want the process to go quickly afterwards, gather your last three to six months of business bank statements, your ABN or ACN and photo ID. Our guide on what lenders see in your bank statements shows how to tidy the picture before you send them.
What routes might come up?
Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured options (first and second mortgages, caveat loans) for larger amounts, with residential or commercial security. You can read about each on our pages for unsecured business loans, lines of credit and property-backed loans, and the What can I borrow against? quiz gives a quick steer.
What do we not do?
We do not publish rates, because every facility is priced on the individual circumstances. We do not send your details to a long list of lenders. We do not lend for personal purposes. And we do not promise an outcome before a person has looked at your situation. Past credit issues and ATO debt considered case by case.
Common questions
How long does the enquiry take?
About 60 seconds. The more accurate your answers on amount, state and property, the more useful the first call will be.
Does enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only comes up if you decide to go ahead with an option.
How fast can funds arrive?
Same-day funding is possible for smaller unsecured amounts, and larger property-secured amounts can sometimes move within 24 to 48 hours. It depends on the lender, the amount and your documents.
What if the answer is no?
Then you will hear why, and what could change it. Sometimes the useful answer is a smaller amount, a different structure or fixing the underlying cash-flow problem first.
Do I have to accept an option?
No. You can ask questions, compare and walk away. Nothing is agreed until you decide to proceed.
Ready? Start the enquiry, or ring 02 7208 8220.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray and pray
A real person on your file