How long does the whole process take?

It depends on the amount, the product and how quickly documents come through. Smaller unsecured amounts and property-secured amounts from $20k to $250k can be possible the same day. Larger secured amounts up to $5m can be possible within 24 to 48 hours. Nothing is guaranteed.

When does a credit check happen?

Not when you enquire. A lender will normally run a credit check only once you decide to proceed with a particular option, and you will be told before it happens.

What documents will I need?

Usually photo ID, your ABN and recent business bank statements, often shared through a secure read-only link. Some lenders ask for a recent ATO statement or basic financials for larger amounts.

Can I change my mind after I enquire?

Yes. An enquiry is not an application or a commitment. You can stop at any point before you sign a loan agreement.

How It Works: From Enquiry to Funded

Step 1: a 60-second enquiry

Tell us how much would help, what the money is for, how long you have been trading, roughly what comes into the business account each month, and how to reach you. That is it. You do not upload anything and there is no credit check to enquire.

Please answer accurately. The amount, the purpose, your monthly turnover and whether you own property all shape which options are realistic, and honest numbers at this point save everyone time later.

Step 2: a real person reviews it

A specialist reads your enquiry and gets in touch, usually quickly during business hours. They will ask a few practical questions: when you need the funds, how the business earns, whether there is existing finance or tax debt, and what repayments the account can comfortably carry. If borrowing is not the right answer, you will hear that too.

Step 3: share your statements securely

Most cash flow lenders assess your business through its bank statements. These are typically shared through a secure, read-only connection that lets the lender see transactions without being able to move money. Some situations need a little more, such as an ATO portal statement or recent financials for larger amounts.

Step 4: compare your option and decide

Once the lender has what it needs, you receive the details of what is on offer: amount, term, repayment schedule, total amount repayable and any fees. Read it properly. Use our repayment estimator to see what the repayments mean for your weekly cash flow and ask questions about anything unclear. Only when you choose to go ahead does a credit check take place.

Step 5: sign and receive the funds

Agreements are signed electronically. After final checks the funds are paid to your business account. For smaller unsecured amounts this can happen the same day when everything is ready. Property-secured amounts from $20k to $250k can also be possible the same day, and up to $5m possible within 24 to 48 hours, depending on the property and the lender's checks.

What makes it faster

Having photo ID and your ABN ready.
Being able to share business bank statements online straight away.
Telling us upfront about tax debt, existing loans or past credit issues.
Answering calls and messages promptly while the file is moving.

Ready? Start your 60-second enquiry. If you want to check yourself first, the loan readiness checklist shows what lenders look for.

From enquiry to funded, step by step