How it works
How it works: one, two, three, funded!
Three steps. No mystery. Here's what happens at each one and how to make it go smoothly.
- 1
1. Apply — about 60 seconds
Tell us the amount, what it's for, your industry, how long you've traded, your rough monthly turnover and whether you own property. No credit check at this stage.
- 2
2. Chat with one of our experts
A real person calls you to understand the full picture: the purpose, the timing, your cash flow and anything tricky like a tax debt or a past default. They tell you what's realistic and what to gather.
- 3
3. See funds in your business bank account
You send the documents, the lender assesses and makes an offer, you review and sign. Once the loan is approved and settled, the money is paid into your business account or straight to whoever needs paying.
Before step 1: do the maths
Got a minute? Run your idea through the 1-2-3 Loan Repayment Planner. Pop in the amount, the term and the total cost of finance from any quote, plus your monthly turnover. You'll see each repayment and how hard it leans on a normal month. Not sure you're organised enough? The loan-ready quiz takes about a minute.
Step 1: the 60-second enquiry
The form asks only what an expert needs to start thinking about your situation. Please answer accurately. A rough guess at turnover or a forgotten property can send us in the wrong direction, while honest answers let us match you properly on the first call.
Step 2: the chat
This is where the real work happens. Expect questions like: what exactly is the money for, and how does it help the business? What lands in your account in a typical month, and in a slow one? Any ATO debt or credit issues we should know about? Do you own property, and what's owed on it? By the end you'll know which kind of loan suits, roughly what it involves and exactly which documents to send. Our page on what happens after you apply covers it in more detail.
Step 3: funds in your account
Once documents are in, the lender assesses and issues an offer. Read it carefully, ask for the total cost of finance in dollars, and sign when you're comfortable. After settlement, the money is paid to your business bank account, or directly to a supplier, the ATO or another lender if that's the purpose.
Common questions
Does step 1 affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've chatted with an expert and decided to go ahead with an application.
Will my details be sent to lots of lenders?
No. Your enquiry is read by a person and matched on purpose. We don't fire your details out to a long list of lenders.
How long does the whole thing take?
It depends on the loan. Smaller unsecured loans assessed on bank statements usually move quicker than property-secured loans, which need a valuation and legal documents. Your expert gives you a realistic timeline on the call, and quick replies to document requests make the biggest difference.
What if my situation is complicated?
That's what step 2 is for. Bad credit, ATO debt, a newer ABN or irregular income are all considered case by case. Tell us the real story on the form and on the call.
Is there a cost to enquire?
No. Enquiring and talking to an expert costs nothing. Any fees on an actual loan are set out in the loan offer before you sign, and you can ask for the total cost of finance in dollars.
Ready when you are: three, two, one…
Step 1 takes about 60 seconds. There's no credit check when you first enquire, your details stay with us rather than going out to a crowd of lenders, and a real expert calls you to talk it through.
No credit check to enquire
No spray-and-pray
A real expert on the phone