How it works
How it works: six steps, one finish line
Most lenders stop thinking about a loan once it settles. We start with how it ends.
- 1
1. Tell us the job (about 60 seconds)
The amount, what it's for, the term you have in mind, any property you own and how you expect to repay. No credit check when you first enquire.
- 2
2. A lending specialist calls you
A real person reads your enquiry and talks it through: the timing of the need, the exit, existing debts and whether short-term finance is the right tool.
- 3
3. Options, costed in dollars
For each option that fits: total cost of finance, fixed fees, repayment rhythm, early payout rules and the cost of an extension if one were needed.
- 4
4. The exit, mapped against the term
We check the repayment source covers the payout with a margin and lands with a buffer before the due date. If it doesn't, we change the structure.
- 5
5. Documents and approval
Only once you decide to go ahead. You'll get a clear list of what's needed — ID, business details, bank statements, and property details for secured loans.
- 6
6. Funding and the countdown
Funds are paid to you or directly to whoever needs paying. You'll know the payout rules and the checkpoints between now and the due date.
What makes our process different?
Two things. First, every option is set out in dollars — fixed fees, time-based cost and what early repayment would save — so you can compare properly. Our short vs long term comparator uses exactly the same approach. Second, the exit is planned before you sign: the source, the amount, the date, the evidence and a fallback. You can test your own with the exit strategy builder.
How to get the most from your enquiry
Fill in the form as accurately as you can. The details that matter most are the amount, the purpose, any property you or the business own (and what's owed on it), existing loans including any short-term facilities, any ATO debt, and how and when you expect to repay. Accurate answers mean the first option we discuss is one that genuinely fits.
Common questions
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've decided to proceed with an application.
Will my details be sent to lots of lenders?
No. A specialist reviews your situation and matches it properly. We don't spray your details around the market.
How long does it take?
It depends on the loan. Unsecured options for trading businesses usually need less paperwork; property-secured loans need a valuation and legal documents. We'll give you a realistic timeline on the first call so you can plan around it.
What documents will I need?
Typically ID, ABN or ACN details and recent business bank statements. For secured loans, property details and what's owed on it. For some loans, financial statements or a cash flow forecast. Most important of all: a clear explanation of how the loan will be repaid.
What if short-term finance isn't right for me?
We'll tell you, and explain what might fit better — a longer facility, a line of credit, an ATO payment plan or a smaller amount.
Prefer to talk? Call 03 9017 6611.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
No spray-and-pray
A real person on your file