Frequently asked questions

Same-day funding is possible for smaller unsecured amounts. With property security, $20k to $250k is possible same day, and up to $5m is possible within 24–48 hours, once the file is complete.

Bank statements that aren't linked, signers who aren't available, problems that weren't disclosed, slow valuations and waiting on an existing lender for a payout figure or consent.

Yes. An enquiry early on a business day has the most time to move. Late Friday enquiries often don't really start until Monday.

Sometimes. Short-term property-backed loans priced for speed can cost more than slower bank loans. Compare the extra cost with what the delay would cost the business.

Unsecured, cash flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-backed business loans run from $20,000 to $5,000,000 against residential or commercial property.

Not for smaller amounts if the business is trading well. Property helps with larger amounts, newer businesses, paperwork that's behind and past credit issues.

Both sit behind an existing loan. A caveat loan is secured by a caveat on title and suits very short, urgent needs. A second mortgage is a registered mortgage and suits longer needs and larger amounts.

Every business loan is priced on the business's situation, security and term. A published number would be wrong for most people. We give you the total cost in dollars once we understand your needs.

Often. Past credit issues are considered case by case, and property-backed options are the most flexible. Be upfront on the form so it doesn't slow things down.

Yes, it's a common use. Compare it with an ATO payment plan, and be upfront about the debt because lenders will see it.

Often, especially with property security, because property-backed lenders rely more on the security and the exit than on the books.

With property security, often from day one. Without it, most unsecured lenders want around six months of trading.

No. There's no credit check when you first enquire. A credit check is only discussed once you decide to go ahead with a specific option.

No. One person works on your enquiry and goes to the lender most likely to fund it in time.

Because it decides which route we start on. Accurate amounts, deadlines, turnover, debts and property details mean the first plan is the one that works.

No. Everything we arrange is for business purposes only.