Questions, answered

Australian businesses with an active ABN, at least 4–6 months of trading and $5,000+ in monthly revenue. We work with 700+ industries in every state and territory.

No. Seeing your options has zero impact on your credit file. A credit check only happens if you choose to go ahead with a formal application, and we tell you before it does.

Most applicants hear from a specialist within a few hours on business days. Accepted offers can often be funded the same day.

From $5,000 up to $5,000,000, depending on the product, your revenue and whether you can offer security.

Usually just your ABN and 6 months of business bank statements. No business plan or tax returns for most applications.

Often, yes. Several lenders on our panel assess your current cash flow rather than past credit events. Select 'Impaired' in the form and we'll match you accordingly.

A lender advances a lump sum (or a credit limit) to your business, and you repay it plus interest and fees over an agreed term — usually daily, weekly or monthly. Unsecured loans rely on your cash flow; secured loans use property or assets to get a lower rate.

Yes, from around 4–6 months of trading. Lenders mainly want an active ABN, consistent deposits in your business bank account and $5,000+ in monthly revenue.

It depends on the product and your profile. Secured loans and equipment finance start from roughly 7.9–8% p.a., while unsecured and fast loans start from around 14% p.a. You see the full cost before you sign.

Banks can take weeks, need heavy paperwork and focus on credit history. We compare a panel of lenders, give decisions within hours and look at how your business actually performs.