How it works
From big plan to funded, step by step
Six steps, no mystery. Here's exactly what happens after you tell us what you want to do.
- 1
1. Share the plan (about a minute)
Tell us what you want to do, roughly how much it needs, your state, how long you've been trading and whether there's property in the picture. No credit check at this stage.
- 2
2. A specialist reads it — properly
A real person reviews your enquiry against the loan types that fit. Not an algorithm firing it at a dozen lenders, and not a script.
- 3
3. A straight-talking phone call
We ring to fill in the gaps: timing, security, what's happened in the business lately. Then we explain which options suit, what each would need and the trade-offs.
- 4
4. You decide
If you want to go ahead, we tell you exactly which documents to send. This is the point where a credit check is discussed — with your say-so.
- 5
5. Assessment, approval and settlement
The lender assesses, verifies and issues documents. Property-secured loans add a valuation and legal steps; unsecured and asset loans are usually simpler.
- 6
6. Funds land
Money goes to your business account, or straight to whoever needs paying — a supplier, the ATO, the seller of a business or an existing lender.
What makes it quicker
The biggest speed-up is honesty on the form. If the amount, purpose, trading time and property answers are right, the first conversation is about solutions rather than corrections. The second biggest is having documents ready: photo ID, recent business bank statements, ABN or ACN, and — if property is involved — a rates notice and current mortgage statement. The loan matcher builds a checklist for your situation.
What we look at
- The purpose. What the money will do, and how it pays for itself.
- The capacity to repay. Bank statements, BAS, financials or a forecast, depending on the loan.
- Security. Property equity, the asset being bought, invoices, or none at all.
- The story. Credit hiccups, tax debts or a bad year aren't automatic deal-breakers — they're assessed case by case.
Common questions
How long does the whole process take?
It depends on the loan type and how quickly documents arrive. Unsecured and equipment loans with a complete document pack tend to move quickest. Property-secured loans add a valuation and legal work, so allow a little longer. We'll give you a realistic timeline on the first call.
Does enquiring affect my credit score?
No. An enquiry is just information about your plan. A credit check is only discussed once you've heard your options and chosen to proceed.
Will my details be sent to lots of lenders?
No. We don't sell or broadcast enquiries. One team works on your situation and approaches the lender that fits, not every lender at once.
Why do you ask so many questions on the form?
Because accurate answers let us match you properly the first time. An amount, purpose, trading time and property answer that reflect reality save days of back-and-forth later.
What if none of the options suit?
Then we'll tell you, and usually explain what would need to change — more trading history, tidier lodgements, a smaller first step — so you know where you stand.
Ready when you are: start your enquiry or call 03 8740 1166.
Found the loan type that fits? Let's make it happen
About a minute of questions, no credit check to ask, and a real lending specialist who calls you with options shaped for your plan.
No credit check to ask
No spray-and-pray
A real human on your case