How it works
From online enquiry to funds, step by step
Software does the collecting and checking. A person does the thinking. Here's how the two fit together.
- 1
1. Online enquiry — about 60 seconds
Tell us the amount, what it's for, your state, how long you've traded and a few honest details about your position. No credit check happens at this point.
- 2
2. A specialist reviews and calls
A real person reads your enquiry, then calls to fill in what a form can't capture — timing, how revenue arrives, any ATO arrangement, any property.
- 3
3. One match, explained
We work out which product and which lender suit your situation, explain why, and tell you exactly what they'll ask for. Your details aren't broadcast to a panel.
- 4
4. Share data digitally
Bank statements through a secure read-only link or PDF upload, ID verified on your phone, accounting reports if the product needs them. A credit check only happens now, with your agreement.
- 5
5. Offer, e-sign and funding
Read the offer, ask anything, sign electronically. Funds are paid to your business account or straight to a supplier or the ATO. Property-secured loans add a valuation and security registration.
What you'll need, and when
You don't need anything uploaded to enquire. Once a lender is chosen, expect to provide some or all of: business bank statements (often six months or more), photo ID for each director or owner, your ABN and company details, recent BAS, and — for larger amounts, lines of credit or invoice finance — reports from your accounting software. The document checklist lists the lot.
What happens behind the scenes
When you share bank data, analysis software groups every transaction into income, expenses, other lenders, tax and flags, then a credit analyst reviews the summary. ID checks compare your details with issuing-agency records. Accounting connections let a lender see receivables and profit. Our digital lending explainers walk through each piece, including which parts are automated and which aren't.
Common questions
How long does the whole process take?
Unsecured online loans can move from enquiry to funding quickly when everything is ready — same-day funding is possible for smaller unsecured amounts. Property-secured loans of $20k to $250k are possible same day, and up to $5m is possible within 24–48 hours. Missing documents are the usual cause of delay.
When does a credit check happen?
Only after you've spoken to a specialist, seen your options and decided to apply. The enquiry itself doesn't touch your credit file.
Do I need to visit an office?
No for most unsecured products — everything can be done online and by phone. Property-secured loans can involve a valuation and extra identity steps for the security documents.
What if I can't connect my bank account?
Upload PDF statements downloaded from your internet banking instead. Most lenders accept either.
Ready for step one?
The online enquiry takes about a minute. Answer it as accurately as you can — especially amount, purpose, state, any property and any ATO debt — and the first call will be about real options, not more questions.
Ready to apply the digital way?
A 60-second online enquiry, no credit check to start, and one lending specialist who reads it and rings you with options that genuinely fit.
No credit check to enquire
One match, not a mailing list
Software helps, a human decides