Filling in the enquiry: what each answer is for

The enquiry form is short on purpose. It takes about 60 seconds, because when you need money tomorrow, a long application is the last thing you want. But short doesn’t mean unimportant. Each answer tells the specialist something that shapes the first call — and how quickly that call can turn into a plan.

Here’s what each answer is for, and how to get it right.

Why does accuracy matter so much?

A specialist uses your enquiry to prepare before they call. If the amount, state, security and situation are accurate, they arrive at the call with a realistic option in mind. If the answers are rough or optimistic, the first call becomes a fact-finding exercise and tomorrow’s timeline starts later.

Accuracy also protects you. The option you’re matched with is built on what you told us. A wrong answer can lead to the wrong product, a delay, or a surprise later.

What does each detail tell the specialist?

The form covers the essentials. Anything it doesn’t ask, you can mention in a notes field or on the first call.

You tell us	Why it matters
Amount needed	Decides which options are realistic and how fast they can move
What it’s for	Confirms a business purpose and shapes the repayment conversation
When it’s needed	Sets the timeline and which cut-offs apply
Your state	Time zone, public holidays, and property rules
Property you can offer	Opens property-secured options from $20k to $5m
How long you’ve traded	Affects unsecured options, which are sized on turnover and statements
Rough turnover	Helps size an unsecured facility
Credit issues or ATO debt	Considered case by case — knowing early avoids pauses
Your contact details	So a real person can actually reach you

How specific should the purpose be?

As specific as you can make it in a few words. “Payroll on Thursday” or “supplier overdue balance” or “BAS payment” tells the specialist far more than “cash flow”. If you’ve written a funding note, use it to guide your answer.

Remember that funding is for business purposes only. If the need is personal, we’re not the right fit. If it’s clearly for the business, start the enquiry now while the details are fresh in your mind.

What if my situation is complicated?

That’s fine — most are. Trusts, multiple companies, co-owned property, a recent change of business name, an ATO payment plan: all of these are workable. Just mention them. The worst outcome is a complication discovered halfway through, not one disclosed at the start.

What happens to my details?

Our promises are simple, and we’d rather state them plainly:

• No credit check to enquire. Asking what’s possible doesn’t touch your credit file.
• No spray-and-pray. Your details aren’t blasted out to a list of lenders who all start calling.
• A real person works on it. A specialist reads your enquiry and calls you to talk it through.

After you submit, keep your phone handy. The call may come from a number you don’t recognise. If you’re wary of unexpected calls, that’s sensible — Scamwatch warns that scammers impersonate trusted organisations. A genuine specialist will talk about the enquiry you sent and will never ask for your online banking password.

Before you press submit

A quick check:

• Amount is exact, after what you can cover yourself.
• Purpose is specific.
• State is correct.
• Property details are accurate, if offering any.
• Trading history and turnover are honest estimates.
• Any credit issues or ATO debt are mentioned.
• Your mobile number is right.

It’s worth running your answers through the money-tomorrow checker first if you want to see how realistic tomorrow is before you enquire.

What happens between the enquiry and the funds?

It helps to know the whole path, so you can see why the form matters. In broad terms:

1. Your enquiry arrives and is read by a specialist, not a sorting algorithm.
2. A specialist calls to confirm the details and understand the situation.
3. Options are explained — property-secured, unsecured or a mix — with a realistic timeline.
4. Documents are requested only once you decide to go ahead.
5. An offer is issued, you read it and every signer signs.
6. Funds are released, to you or directly to whoever needs paying.

Accurate answers shorten step two and make step three more precise. Our pages on next-business-day loans and cut-off times explain how the later steps fit a next-day timeline, and the tonight checklist covers what to have ready for step four.

If you’re enquiring late at night, that’s completely normal. The enquiry sits at the top of the pile for the start of the next business day, which is exactly where you want it.

One last tip: if something changes after you submit — the amount goes up, a customer pays, or the deadline moves — tell the specialist as soon as you know. An updated picture early in the morning is far more useful than a surprise at lunchtime, and it keeps the plan matched to what you actually need rather than what you needed last night.

Ready when you are

You now know exactly what the form is asking and why. It takes around a minute, and there’s no credit check at this stage. Your enquiry goes to one team, not a marketplace of lenders, and a real person will call to talk through what’s possible. The more accurate your answers, the faster and better that first conversation will be.

Fill in the 60-second enquiry →