60-Second Instant Loan Navigator

What the Navigator actually checks

Lenders who can move quickly aren't guessing. They're matching a handful of facts about your business against what their product is built for. The Navigator does a simplified version of the same thing, so you can see the likely outcome before anyone runs a check or asks for a document.

Your answer	Why it matters for speed
Amount	Sets which products are even in play. Property-secured loans start at $20k and run to $5m; unsecured options typically sit between $5k and $500k.
Turnover	Unsecured finance is sized on turnover and bank statements. An amount that's large next to your turnover takes more checking — or needs security.
Time in business	Bank data only tells a story once there's some history in it. Newer businesses often move faster with property behind the loan.
Security	Property opens larger amounts and the fastest possible settlement times, provided there's usable equity and the title is straightforward.
Purpose	Finance here is for business purposes only. Some purposes — ATO debt, refinancing — add a step or two, which the checklist accounts for.

How to read your result

Each answer gets a green, amber or red signal. Green means that answer supports a quick, clean file. Amber means it's workable but usually adds a document or a conversation. Red means that answer is likely to rule out a pathway or slow it down noticeably — which is exactly what you want to know before you apply, not after.

The readiness level rolls those signals together: ready to move, close — a few things to line up, or needs work first. It isn't a credit score and it isn't a promise. It's a practical read on how smoothly your file is likely to run. If you'd like a person to look at it properly, start your enquiry here — it takes about as long as the Navigator did.

Why the timing is honest, not "instant"

The answer can be instant. The money depends on verification. Same-day funding for $20k to $250k is possible against property, and up to $5m is possible within 24–48 hours — but only once ID, bank data, the property title and any existing loans have been checked and the documents are signed. The timeline in your result lists those steps in order, so you can see which ones you control. Most delays come from a missing statement, a co-director who's travelling, or a payout figure that hasn't arrived — not from the lender.

Want to go deeper on a single signal? Read how turnover shapes an unsecured loan, how property speeds up a secured loan, or what still takes time and why. And if you'd like to tick off your paperwork item by item, the Speed Readiness Check does exactly that.

Ready when you are

If your result looks promising, the next move is the short enquiry form. There's no credit check when you first enquire, your details stay with one specialist instead of being circulated to a pile of lenders, and a real person calls you to talk through the pathway. Please answer the form as accurately as you answered the Navigator — it's what lets us line up the right option on the first call.

See if you qualify →