Questions, answered straight

We help Australian businesses find fast, simple cash flow funding, mainly unsecured business loans and lines of credit from $5k to $500k, with secured options to $5m when a larger amount makes sense.

Australian businesses with an active ABN that are already trading. Sole traders, partnerships, companies and trusts can all enquire. The finance must be for business purposes.

About 60 seconds. You tell us the amount, the purpose, how long you have been trading, your monthly turnover and your contact details.

No. An enquiry lets a real person understand your situation and suggest options. Nothing is binding, and you can stop at any time before you sign an agreement.

Unsecured cash flow facilities typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured loans run from $20,000 to $5,000,000.

Same-day funding is possible for smaller unsecured amounts when documents are ready and checks are clear, and for property-secured amounts from $20k to $250k. Secured amounts up to $5m can be possible within 24 to 48 hours. We will give you a realistic timeline for your situation.

Because every facility is priced on the individual business: its trading, credit history, the amount, the term and the security. Advertised teaser rates rarely match what a real business is offered, so we discuss real numbers once we understand yours.

Look at the total amount repayable, all fees, the repayment frequency and any early payout terms. Our repayment estimator turns a quoted total cost into weekly, fortnightly and monthly repayments so you can test it against your cash flow.

No. There is no credit check when you enquire. A credit check happens only if you decide to proceed with an offer.

Often, yes. Defaults, arrears and past credit trouble are considered case by case, with a strong focus on how the business is trading today.

Yes. Tax debt is considered case by case, and some businesses use funding to clear or reduce an ATO balance. Being upfront about it helps.

Not for unsecured loans or lines of credit. Property is only needed for secured loans, which are usually used for larger amounts.

Newer businesses can still enquire. Lenders want to see some trading history in the bank account, and the amount available usually grows as that history lengthens.

No. We do not spray enquiries across the market. A real person reviews your situation and only approaches a lender that fits, with your knowledge.

Usually through a secure, read-only connection that lets a lender view transactions without being able to move money. You approve the connection yourself.

We start every conversation with your online enquiry so the right person has your details in front of them. Once you enquire, a specialist will contact you directly.

Any genuine business purpose, such as wages, stock, tax, equipment, marketing, fit-outs, big orders or refinancing more expensive business debt. Not personal spending.