Frequently asked questions

Yes. The enquiry, bank statements, identity verification and loan documents are all handled online, and a real specialist follows up by phone or email. Some property-secured loans include one witnessed step, which can usually be arranged locally.

About a minute. It asks how much you need, what it's for, how long you've traded, your approximate turnover, your state and whether you own property, plus your contact details.

Yes. Every step — enquiry, bank-statement link, ID check and e-signing — is designed to work on a smartphone.

Usually your ABN, current photo ID for each owner or director, and your internet banking login so you can share statements. Larger or secured loans may need BAS, financial statements or property details.

Yes. A lending specialist reads every enquiry and contacts you to talk it through.

No. There's no credit check when you first enquire. A credit check is usually part of the formal assessment later, and your specialist tells you before it happens.

No. Your enquiry stays with one team who work on your situation. We don't spray your details across a list of lenders.

A statement link is read-only — it can't move money. Under the Consumer Data Right you log in with your own bank, consent expires after 12 months at most, and you can withdraw it any time.

Generally, yes. Australian electronic transactions laws recognise electronic signatures, and companies can execute documents electronically under the Corporations Act.

We'll never ask you to pay a fee to unlock a loan. If you're unsure about any call or email, ring us on 03 9072 0200 before acting.

Unsecured, cash-flow and line-of-credit options for trading businesses typically range from $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans range from $20,000 to $5,000,000.

No. Unsecured options are assessed on how your business trades. Property security is needed for larger amounts and can widen options where credit history or trading time is limited.

Possibly. Past credit issues and ATO debt are considered case by case. Property-secured loans are often the most flexible.

Yes, though options depend on trading history and whether property security is available. A specialist will tell you honestly what's realistic.

No. We help with business purposes only.

It depends on the loan, the amount and how quickly documents come back. Same-day funding can be possible for smaller unsecured amounts and for property-secured loans of $20k to $250k; up to $5m can be possible within 24 to 48 hours. Funding always follows approval.

Because every business loan is priced on the business's own circumstances. Your specialist sets out the full cost of any offer, including fees, before you sign.

A specialist contacts you, usually within business hours. If you decide to proceed, you'll receive links to share statements and verify ID, then documents to e-sign once approved.

Accurate turnover, existing loans and property details let your specialist point you to the right option first time, instead of revisiting it later.