How It Works

Most people arrive here halfway through reading about a product. That's fine: the encyclopedia is free and always will be. When you want to know what your own business could access, this is what happens.

1
Read up, if it helps
Use the encyclopedia, the glossary and the loan-type finder to understand your options. There's nothing to sign up for and no obligation.
2
Send a 60-second enquiry
Tell us the amount, what it's for, your state, how long you've traded and any property you own. There's no credit check when you first enquire.
3
A real person reviews it
A lending specialist reads your enquiry and works out which products and lenders genuinely fit — not a system that scores you for resale.
4
We call you
We explain what's realistic: secured or unsecured, how much, how fast, what it will take and what it will cost to set up. Plain English, no jargon left unexplained.
5
You decide, then we get documents
Only if you choose to go ahead do we ask for documents and discuss a credit check. We tell you exactly what's needed for your chosen option.
6
Offer, sign and settle
You receive the formal offer, we walk you through it, and funds are paid to your account or directly to whoever needs paying — the ATO, a supplier or an existing lender.

What makes it different

No credit check to enquire. Finding out what's possible doesn't leave a mark on your file.
No spray-and-pray. Your details aren't sold or blasted to a list of lenders. Your phone won't ring off the hook.
A real person, every time. Someone reads your enquiry and calls you. You can ask them to explain anything — that's what we're here for.
Accuracy helps you. The more accurately you fill in the form — especially the amount, purpose, state and any property — the more likely the first option we discuss is the right one.

Not sure which product you need? Try the loan-type finder, or just start your enquiry and let us work it out with you.

Common questions

Does enquiring affect my credit score?

No. There's no credit check when you first enquire. A credit check is only discussed once you've seen your options and decided to proceed.

Will my details be sent to lots of lenders?

No. We don't practise spray-and-pray. A real person reviews your situation and approaches only lenders that genuinely fit, with your agreement.

How long does the whole process take?

It depends on the product. Unsecured facilities assessed on bank statements can move quickly. Property-secured loans depend on valuation, documents and signing. We give you a realistic timeline on the first call.

What documents will I need?

It varies by product. Unsecured loans often need recent business bank statements and ID. Property-secured loans need property details and, depending on the lender, financials or evidence of your exit. We tell you exactly what's needed before you gather anything.

Why do you ask about property on the form?

Because it changes what's possible. Property-secured business loans range from $20,000 to $5,000,000; unsecured options for trading businesses are typically $5,000 to $500,000. Knowing about property lets us point you to the right option first time.

Do you publish interest rates?

No. Every loan is priced on your business's circumstances. We explain how pricing works and tell you what your situation is likely to attract once we understand it.