Frequently asked questions

For property-secured loans, yes. You will not need tax returns, financial statements or cash-flow records — just ID, property and existing loan details, what the money is for and how you plan to repay it. Unsecured loans are low doc, assessed mainly on your business bank statements.

No. The form is an enquiry, not a credit application, so nothing is recorded on your credit file. A credit check only happens later, with your permission, if you choose to proceed with a lender.

Often, yes. Property-secured lenders focus on your equity and your exit plan, so defaults, arrears and ATO debt are considered case by case. Unsecured lenders can also look past weaker credit if your bank statements show steady cash flow.

Property-secured business loans run from $20,000 to $5 million, depending on your equity and the purpose. Unsecured loan amounts are based on your turnover and cash flow, so they vary from business to business.

No. Property owners can use the no doc route, which suits bigger amounts and messy credit. Without property, you can apply for an unsecured low doc loan if you have an ABN and at least six months of trading.

Property-secured loans can fund within 24 hours of approval, depending on documents and settlement. Some unsecured loans are funded the same day. The form takes about a minute, and a real person gets back to you quickly.

Sole traders, partnerships, companies and trusts can all apply. Newer businesses that own property can use the property-secured route; unsecured loans generally need an ABN and six months of trading.

Any genuine business purpose — cash flow, stock, equipment, a new ute, clearing ATO debt, paying suppliers, a fit-out, buying a business or jumping on an opportunity. Loans are for business purposes only.

No. Checking your options is free and you are under no obligation. If you decide to go ahead, the lender sets out all costs clearly in your loan documents before you sign.

It depends on you. Every loan is priced on your individual circumstances — security, amount, purpose, term and credit profile. We skip the misleading headline rates and go after the sharpest deal available for your situation.