Speed
How fast can I get a business loan?
Cash-flow loans can be funded in as little as 2 hours after approval. Property-secured loans can be funded in as little as 24 hours.
What's the fastest way to get $500,000 or more?
A property-secured loan, usually a caveat or second mortgage, can deliver large amounts in as little as 24 hours without financials.
What slows things down?
Missing ID, bank statements for the wrong account, a property held in another entity's name, or slow replies. We tell you exactly what's needed on the first call.
Eligibility & credit
Will checking my eligibility affect my credit score?
No. Our 60-second check doesn't make a credit enquiry.
Can I get a loan with bad credit?
Yes. Property-secured loans weigh equity far more than credit history. Cash-flow loans focus on recent trading.
Can I get a loan with an ATO debt?
Yes. Many clients use the loan to clear it. From 1 July 2025, GIC on tax debt is no longer tax-deductible.
Do I need financials or tax returns?
Not for property-secured loans. Cash-flow loans use your business bank statements instead.
Can sole traders apply?
Yes, with an active ABN.
Property-secured loans
How much can I borrow?
From $20,000 to $5,000,000, depending on the property's value, what's owing and the property type.
What property can I use?
Homes, investment properties, commercial, industrial and vacant or rural land in Australia. The property can be owned by you, your company or trust, or a guarantor.
Caveat, first or second mortgage: which will I get?
Whichever is fastest and most cost-effective for your amount, timeline and existing loans. We'll explain why.
What's an exit plan?
How the loan will be repaid at the end of the term, for example a sale, refinance, insurance payout or business income.
Costs
Does it cost anything to apply?
No. There's no cost to apply.
When will I know the full cost?
Before you sign. Your written offer sets out the interest, fees and any other costs.
