Property-secured loans
For owners of Australian property. $20,000 to $5,000,000, with no financials needed and bad credit considered.
- Check eligibility60 seconds online, with no credit score impact.
- Talk to a specialistWe confirm the amount, property and exit plan the same day.
- Get a written offerEvery cost set out clearly, often with just a desktop valuation.
- Sign and settleE-sign, we lodge the security, and funds land in as little as 24 hours.
- Photo ID for each borrower and guarantor
- Property address and who owns it
- What's owing on the property (if anything)
- The loan purpose and your exit plan
Not needed: No tax returns, financial statements, BAS or accountant letters.
Cash-flow loans
For trading businesses without property. Assessed on your business bank statements.
- Check eligibility60 seconds online, with no credit score impact.
- Connect your bank statementsA secure, read-only link that takes a few minutes. No tax returns.
- Get a decisionOften within hours, with repayments set out clearly.
- Get fundedIn as little as 2 hours after approval.
- Driver licence
- An active ABN and 6+ months trading
- Read-only access to your business bank statements
- A few basic business details
Not needed: No tax returns, financial statements or property.
Why it's faster than a bank
- Decisions made in-house, with no committee queue
- Bank statements verified in minutes through secure, read-only technology
- Property loans skip the financial review entirely
- Desktop valuations where possible, instead of waiting days for an inspection
- Electronic signing and settlement
Common questions
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
