How it works
How a fast business loan works with us
Five steps. Most of the speed comes from steps one and four, and you control both.
- 1
Minute 1: the 60-second enquiry
Tell us the amount, what it's for, your state and whether there's property involved. No credit check when you first enquire.
- 2
Soon after: a real person calls
A lending specialist reads your enquiry and rings you to understand the deadline, the security and the paperwork you already have.
- 3
Same call: the fastest sensible route
Secured or unsecured, which loan type, and the realistic timeline for your situation. No pressure to proceed.
- 4
When you say go: documents and offer
A short, specific list of what's needed. The faster it comes back, the faster the offer arrives. You read the full terms before you sign.
- 5
Funded: money where it needs to be
Funds go to your account, or straight to the ATO, supplier, vendor or existing lender that needs paying.
Where the time actually goes
On a fast business loan, the assessment itself is usually quick. What eats the clock is waiting: for a bank statement, for a co-owner to sign, for someone to dig out a mortgage balance. That's why we give you a precise list on the first call and tell you which items matter most for your route. Use the Speed Checker to see how ready you are before you start.
Secured or unsecured: which is faster?
For larger amounts, property security is almost always faster, because the lender relies on the asset rather than combing through years of accounts. For smaller amounts with no property, an unsecured cash-flow loan assessed on bank statements can be the quickest of all. Our loan types hub explains every option by speed.
Common questions
How long does the whole process take?
With property security and documents ready, $20k to $250k is possible on the same day, and up to $5m within 24 to 48 hours. Smaller unsecured amounts can be funded the same day. Missing paperwork is the most common reason things take a few days instead.
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 seen your options and want to proceed.
Will my details be sent to lots of lenders?
No. We don't spray your enquiry around. A real person matches your situation to the option that fits.
What should I have ready before I enquire?
Photo ID, your ABN, recent business bank statements, and for secured loans the property address, owners and current mortgage balance. If there's tax debt, an ATO statement of account helps too.
Who signs the loan documents?
The borrowing business and its directors, plus every owner of any property being used as security. Make sure they can all sign quickly, because a missing signature is a classic hold-up.
Start the 60-second enquiry. Answer accurately and we'll get the match right first time.
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 it