How it works
From first search to funds in the account
Research as much as you like. When you're ready, one short enquiry puts a real person on your side.
- 1
Look around first (as long as you like)
Search the directory, read up on loan types, run the calculators. None of it asks for your details.
- 2
Tell us what you need (about 60 seconds)
Amount, purpose, state, and a few questions about your business and any property. No credit check when you enquire.
- 3
A real person calls you
A lending specialist reads the enquiry and rings to understand the full story: why the bank said no, how urgent it is, what you'd offer as security.
- 4
Honest options
You hear what's realistic: secured or unsecured, how fast, what it will cost to get there and what paperwork it takes. If there's no sensible fit, we tell you.
- 5
Paperwork and approval, only if you go ahead
Documents, any credit check, valuation if property is involved, then formal approval and loan documents.
- 6
Funds paid
Money goes to your account, or straight to the ATO, supplier or settlement agent that needs paying.
Why it's set up this way
Most comparison sites ask for your details before they show you anything useful, then pass them to whoever pays. We'd rather you understood your options first. People who know what they're asking for get better answers, faster, and they're far less likely to sign up for the wrong product in a panic.
When you do enquire, please answer the form accurately, especially the amount, the purpose, your state and any property you own. It's the single biggest thing that gets you the right option on the first call.
Frequently asked questions
How long does the whole process take?
It depends on the loan. Smaller unsecured amounts can sometimes be funded the same day. Property-secured loans from $20k to $250k can be possible same day, and larger property-secured loans up to $5m within 24 to 48 hours for well-prepared deals. Bank-style term loans and big commercial deals take longer.
What should I have ready?
Six months of business bank statements, your ABN or ACN, photo ID, and if property is involved, its address and a rough idea of what's owed on it. Recent BAS and financials help for larger amounts.
Will I be contacted by lots of lenders?
No. Your enquiry goes to one team. Your phone won't light up with a dozen callers.
Is there a cost to enquire?
No. Enquiring is free and doesn't commit you to anything.
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
Not sprayed to fifty lenders
A real person reads it