Frequently asked questions

Unsecured business loans, lines of credit and overdraft alternatives, property-secured first and second mortgage business loans, caveat loans over Victorian property, bridging and short-term loans, invoice and trade finance, equipment and vehicle finance, stock, fit-out and seasonal finance, merchant cash advances, low-doc and no-doc loans, start-up, franchise and business acquisition finance, debt consolidation and ATO debt funding.

No. Awesome Loans is for business purposes only. If the money is for a business — growth, equipment, stock, wages, tax, buying a business — we can help. Personal, household and home-purchase lending isn't something we arrange.

Unsecured, cash-flow and line-of-credit options typically range from $5k to $500k, sized on turnover and bank statements. Property-secured business loans range from $20k to $5m against residential or commercial property.

No. There's no credit check when you first enquire. A credit check only comes up once you've heard your options and decided to go ahead.

Never. We don't sell or blast out enquiries. A real person works on your situation and approaches the lender that actually suits it.

Because every business loan is priced on the business's circumstances: security, trading, credit history, amount and term. A headline rate would rarely be the rate you'd get, so we talk about your real options instead.

Often. Past defaults, late payments and even past insolvency events are considered case by case. Property security makes the biggest difference, followed by steady recent trading and a clear explanation of what happened.

Yes. ATO debt is considered case by case, and a loan can clear a tax debt in one go so you repay a lender instead. It helps if your lodgements are up to date or close to it.

Unsecured loans, lines of credit, invoice finance, merchant cash advances, equipment and vehicle finance can all work without property, sized on your trading or the asset involved.

A first mortgage is the main loan registered on a property. A second mortgage sits behind an existing first mortgage, letting you borrow against equity without refinancing your current home loan.

A short-term loan secured by a caveat lodged on a property title. In our group, caveat loans are offered over Victorian property; in other states, a second mortgage does the same job.

Yes, usually through property equity, the equipment being bought or a franchise system. Unsecured loans generally need some trading history first.

Photo ID, ABN or ACN details and recent business bank statements are the starting point. Depending on the loan, add BAS, financials, a supplier quote, an aged debtors list, property rates notices or an ATO statement. The loan matcher builds a checklist for you.

It depends on the loan type, the security and how quickly documents arrive. Simple unsecured or equipment loans with a complete file move quickest; property-secured loans need a valuation and legal steps. We'll give you a realistic timeline on the first call.

Because it lets us match you properly the first time. Rounding the amount, guessing trading time or leaving out an ATO debt only leads to surprises later — and surprises slow everything down.

Our office is at Level 3, 365 Collins Street, Melbourne VIC 3000, and we help businesses all over Australia. Call 03 8740 1166 or start an enquiry online.

Completely. It runs in your browser, nothing is sent to us, and it gives you matched loan types, pros and cons and a document checklist without asking for any personal details.