Eligibility, input by input
Instant business funding eligibility
Amount, turnover, time in business, security and credit history — how each one shapes the pathway you're on and how quickly it can move.
Loan amount
How your business loan amount changes the pathway and the speed: the ranges for secured and unsecured finance, why size drives checks, and how to get it right.
Read more →Turnover
Is there a minimum turnover for a business loan? How lenders read turnover in your bank data, why it sizes unsecured loans, and what to do if yours is lumpy.
Read more →Time in business
How time in business affects a loan: why lenders want trading history, what a new ABN or restructure does, and the fastest routes for newer businesses.
Read more →Property security
How a property-secured business loan can move fast: first mortgages, second mortgages and caveats, what equity means, and the title checks that set the pace.
Read more →Without property
How a fast unsecured business loan works without property: how it's sized, what makes it quick, the limits to expect, and when a line of credit fits better.
Read more →Credit history
Can you get an instant business loan with bad credit? How past defaults are viewed, why automated systems decline, and the pathways that still move quickly.
Read more →ATO debt
Can you get a fast business loan with ATO debt? How lenders view tax arrears and payment plans, and why lodgement matters more than the balance.
Read more →Not sure where you fit?
Get a pathway read in about 60 seconds
Five quick answers in the Instant Loan Navigator show the pathway that usually fits, which of your answers help or slow things down, and the documents to line up. No name, no email, no credit check.
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.
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