Free tool
Speed Checker: how fast could your loan land?
Four quick questions. An animated speedometer shows your likely speed band, the fastest route for your situation and a checklist to get there sooner.
Your likely speed band
24–48 hours possible
Fastest route
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60 seconds · no credit check to enquire
How the Speed Checker works out your band
Lending speed in Australia comes down to three things: what's securing the loan, how much paperwork the lender needs, and how quickly that paperwork turns up. The Speed Checker weighs each of them the way a lending specialist would on a first call.
- Same day possible. Property-secured amounts from $20k to $250k with documents in hand, or a smaller unsecured amount for an established trading business with clean bank statements ready to go.
- 24–48 hours possible. Larger property-secured loans up to $5m, or unsecured amounts sized on turnover where the statements are ready but the assessment takes a little longer.
- A few days. Deals still missing key paperwork, newer businesses with no property, or amounts beyond what unsecured lending usually stretches to.
Why property usually wins the race
When property sits behind a loan, the lender leans on the asset rather than combing through years of financials. That is why caveat loans and second mortgages are the go-to routes when time matters most. Residential and commercial property both work. What slows things down is not the type of property but missing details: who owns it, what's owed on it and whether every owner can sign.
Why paperwork is the accelerator you control
Most delays on fast loans aren't the lender thinking. They're the lender waiting. A missing bank statement, a director who's away, a mortgage balance nobody can find. The progress bar in the checker shows how much of the usual list you could send today. Every tick takes time off the clock. If there's tax debt involved, an ATO statement of account from your online services account is one of the quickest wins, and our guide to the fast-loan document checklist runs through the rest.
Unsecured: fast for smaller amounts
No property? Unsecured business loans for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. Smaller amounts can be funded the same day. Larger unsecured amounts usually take a little longer because the lender has more trading history to check. If your business has under six months of trading, expect more questions, and property becomes much more important.
What the result doesn't know
The checker doesn't see your bank statements, your credit file or the condition of the property. It can't tell whether every director is in the country to sign. Treat it as a planning tool: it tells you which lane you're likely in and what to prepare. A 60-second enquiry gets a real person looking at the real thing, with no credit check to start and no blasting your details out to a crowd of lenders. Please fill the form in accurately so the first match is the right one.
No credit check to enquire
Finding out where you stand leaves your credit file untouched. A credit check only comes up once you choose to proceed.
No spray and pray
We don't fire your details off to a queue of lenders. One team works your file and aims it at the right option.
A real person on it
A lending specialist reads what you sent and rings you. Accurate form answers mean the first match is the right one.
Frequently asked questions
Is the Speed Checker result a loan approval?
No. It's a general estimate of the speed band your situation usually falls into. A lending specialist confirms what's actually possible once they understand the full picture.
Why does property security make such a difference to speed?
With property, the lender can rely on the asset as well as the business, so there's less trading history to pick through. A caveat or second mortgage can often be put in place quickly once the owner and the property details are confirmed.
What counts as a smaller unsecured amount?
The tool treats up to $50,000 as a smaller unsecured amount for the same-day band. Unsecured options generally run from $5,000 to $500,000 and are sized on turnover and bank statements, so the real limit depends on your business.
Does using the Speed Checker affect my credit file?
No. Nothing you enter is sent anywhere and no credit check is involved. The calculation runs entirely in your browser.
What's the single best thing I can do to get funded faster?
Have your documents ready before you enquire: photo ID, ABN, recent business bank statements and, for secured loans, the property address, owner names and current mortgage balance. Then answer the enquiry form accurately.
Can the Speed Checker handle ATO debt or bad credit?
It asks about both. Neither rules you out, but they can add questions, and property security usually keeps those deals moving.
Need to size the shortfall first? Try the Cash Gap Calculator.
Know your lane? Let's get moving.
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