How it works
From tonight's enquiry to tomorrow's funds
Six steps. Two of them happen tonight — and they're the ones that decide whether tomorrow is realistic.
- 1
Tonight — send the 60-second enquiry
Amount, purpose, state, security and anything we should know, such as ATO debt. No credit check when you enquire.
- 2
Tonight — get the folder ready
Business bank statements as PDFs, ID for every signer, ABN/ACN details, and your rates notice and mortgage statement if you're using property.
- 3
Next business day — a real person calls
A specialist who has read your enquiry confirms the details and explains what's realistic for your timeline.
- 4
Options and documents
If you decide to go ahead, you'll be told exactly which documents are needed. Only then is a credit check discussed.
- 5
Offer and signing
Key terms are explained before you sign. Every director, owner and guarantor signs, usually electronically.
- 6
Funds possible
Once conditions are met, funds are released to you or directly to whoever needs paying. Same day or next business day can be possible, depending on security, amount and readiness.
What decides the pace?
Four things: a clear business purpose, security that suits the amount, documents ready to send, and every signer reachable. Our next-business-day funding page explains each one, and the money-tomorrow checker shows where you stand right now.
What we don't do
- We don't run a credit check when you enquire.
- We don't sell or spray your details to a list of lenders.
- We don't publish interest rates, because every loan is priced on the business's circumstances.
- We don't arrange personal or household loans — business purposes only.
Common questions
How fast can it happen?
For property-secured amounts of $20k to $250k, same-day funding is possible, and up to $5m can be possible within 24–48 hours. Same-day funding is possible for smaller unsecured amounts. The biggest factors are documents and signers.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. We only discuss a credit check once you've decided to go ahead.
Will my details be sent to lots of lenders?
No. Your enquiry isn't sprayed around the market. One team reviews your situation and a real person calls you.
What if I enquire late at night or on a weekend?
That's ideal. Your enquiry is waiting at the start of the next business day, and you can use the time to get documents ready.
Why do you ask for accurate answers?
Because the first option we suggest is built on what you tell us. Accurate amounts, state, security and credit details mean the right match on the first call.
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 your file