At a glance
| Security | None required (cash-flow loan) |
|---|---|
| What we assess | Recent business bank statements and turnover |
| Decision | Often within hours |
| Funding | As little as 2 hours after approval |
| Best time to apply | Before 1pm AEST on a business day |
Why owners choose us when it's urgent
Same-day funding comes down to three things: a lender that decides in-house, bank statement technology that verifies your trading in minutes, and fast payment rails between banks.
We have all three. Apply in the morning and there's a good chance the money is in your account before close of business. Apply in the afternoon and it's usually first thing next morning.
Who it suits
- Trading businesses with regular deposits
- Short, sharp costs such as repairs, stock and bills
- Businesses without property to secure a loan
- Owners who can't wait on an accountant for financials
How it works
- 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.
What you'll need
- 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.
A plumbing business covering wages after a slow payer
A Perth plumbing business had a $60,000 invoice stuck with a head contractor and wages due Thursday. With 18 months of solid deposits, it was approved for a short cash-flow loan by 10:30am and funded before lunch. Payroll ran on time.
Frequently asked questions
Can I really get a business loan the same day?
Yes, if you have an ABN, a business bank account with regular deposits and your ID ready. Same-day funding is most likely when you apply before early afternoon on a business day.
How much can I borrow same day?
Same-day cash-flow loans are sized to your monthly turnover. As a guide, businesses often qualify for around one month of turnover or more. If you need a larger amount the same week and own property, a property-secured loan can reach $5 million in as little as 24 hours.
Do I need to provide financial statements?
No. For cash-flow loans we use your recent business bank statements, connected securely and read-only. There are no tax returns, BAS or profit-and-loss statements to chase.
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.
