At a glance
| Who we fund | Any business with an ABN |
|---|---|
| Cash-flow lane | Funds in as little as 2 hours |
| Property lane | $20k to $5M in as little as 24 hours |
| Credit | Bad credit considered |
| Cost to apply | $0 |
How small business loans work
Small businesses are the ones banks find hardest to fit and slowest to fund. We've spent over a decade doing the opposite: quick answers, clear costs and a real person who picks up the phone.
Whether you run a one-ute trade business or a 40-staff manufacturer, there's a fast lane for you.
Who it suits
- Sole traders, partnerships, companies and trusts
- New and established businesses
- Tradies, hospitality, retail, transport, health and more
- Owners who've been knocked back elsewhere
How it works
- Check eligibility60 seconds online, with no credit score impact.
- We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
- Get a decisionUsually the same business day, with every cost in writing.
- Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).
What you'll need
- Photo ID
- Your ABN
- Property details or business bank statements
- What the money is for
Not needed: No tax returns or accountant-prepared financials on either lane.
A sole-trader electrician taking on an apprentice
A Brisbane electrician wanted to hire his first apprentice and buy a second set of tools and a trailer, about $28,000 in all. On 12 months of bank statements, the loan was approved and funded the same day, and the apprentice started the following Monday.
Frequently asked questions
Can I get a small business loan as a sole trader?
Yes. We fund sole traders with an active ABN. For cash-flow loans we'll look at the account your business income goes into.
Can a new business get a loan?
If you own property, yes. Property-secured loans don't depend on trading history. Cash-flow loans need 6+ months of trading.
What's the minimum I can borrow?
Property-secured loans start at $20,000. Cash-flow loans can be smaller, depending on your turnover.
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.
