How it works
From 60 seconds to funded, step by step
Digital where it saves time, human where it matters. Here's what happens after you press send.
- 1
1. The 60-second enquiry — minutes
Amount, purpose, turnover, time trading, state and whether property is involved. No credit check when you first enquire, and no documents yet.
- 2
2. A real person calls — business hours
A lending specialist reads your enquiry, confirms the facts and tells you which pathway fits: property-secured, unsecured or a mix.
- 3
3. Link, upload, verify — often the same day
A short, specific list: a secure bank-statement link, ID for each signer, and property details if you're using security. Checks run online wherever possible.
- 4
4. Approval and documents
Terms are set out in full, including the total cost and repayment schedule. Documents are signed — electronically where the lender allows.
- 5
5. Settlement and funding
Funds are paid to your account or straight to whoever needs paying. With a complete file, $20k–$250k is possible same day against property; up to $5m within 24–48 hours; same day for smaller unsecured amounts.
What keeps each step fast?
The lender is rarely the slow part. Most delays come from things that can be prepared: a bank login that doesn't work, a co-director who's unavailable, an existing lender's payout figure, or a title surprise. Before you enquire — or while you wait for the call — the Speed Readiness Check helps you tick those off. If you'd like a feel for your likely pathway first, try the 60-Second Instant Loan Navigator.
What we ask of you
Fill in the form accurately. Figures that match your bank data and records keep you on the right pathway from the start. Mention anything complicated — ATO debt, past credit issues, a recent restructure, an existing loan on a property. None of these are automatic deal-breakers; they're considered case by case, and knowing early is what keeps things moving.
Common questions
How long does the whole process take?
It depends on the pathway and how ready your documents are. The enquiry takes about 60 seconds and a specialist calls in business hours. With a complete file, $20k to $250k is possible same day against property, up to $5m within 24–48 hours, and smaller unsecured amounts same day.
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 go ahead.
Will my details be sent to lots of lenders?
No. One specialist works on your enquiry and matches it properly. We don't spray your details around, so your phone won't be flooded with calls.
What documents will I need?
Only what your pathway needs. Commonly that's ID for each signer, a secure bank-statement link, and property details for a secured loan. The Speed Readiness Check shows the usual list.
What if I've been declined elsewhere?
Tell us. An automated decline often reflects one lender's rules rather than your business. A specialist can look at the context and find a pathway that suits.
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
One match, not a mailing list
A real person on it