Free tool · runs in your browser
Online application readiness check
Toggle what you have ready, tell us what you need, and get a readiness score, the online loan types you're likely suited to, and exactly what to fix before you apply.
Readiness score
0/100
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Online loan types you're likely suited to
What's missing and how to fix it fast
No credit check to enquire · one specialist, not a list of lenders
How the readiness score works
Online business lending is fast when a lender can verify everything without chasing you, and slow when it can't. The score adds up the items that most often hold an online application up: an active ABN, at least six months of business bank statements, accounting records that match those statements, lodged BAS, photo ID for the people behind the business, and your tax position. Time trading matters too — many unsecured lenders want to see at least six months of trading, and more history usually means more choice.
Property is scored as a bonus rather than a requirement. If you have residential or commercial property you could offer as security, property-secured business loans from $20,000 to $5,000,000 become possible, including first and second mortgages and caveat loans. Without property, unsecured, cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements.
Reading your result
- 80 and above: you have what an online lender typically asks for. Enquire, and have your logins handy for a bank-data link and ID check.
- 50 to 79: one or two gaps. Most can be closed in a day — lodging an outstanding BAS, reconciling the last quarter, or downloading statements.
- Below 50: online options exist, but expect more back-and-forth. It's worth a conversation before you apply anywhere, so you only apply once.
Why the suggested loan types change
The tool matches your purpose and how your customers pay to the product that reads your business best. If you invoice other businesses, invoice finance lets you borrow against what you're owed. If revenue arrives through card terminals, checkouts or marketplace payouts, a line of credit or revenue-based finance can follow your sales rhythm. Equipment and software purchases suit equipment and tech finance, while a gap before a sale or settlement is what bridging finance is for.
Want to see what a lender reads in your statements before you share them? Try the bank statement decoder, then read our guide to getting statements lender-ready.
Next step
When your score looks right — or even if it doesn't and you'd rather talk it through — start a 60-second enquiry. There's no credit check when you enquire, your details go to one specialist rather than a crowd of lenders, and the more accurate your answers, the more precisely we can match you on the first call.
No credit check to enquire
Sending us your enquiry leaves your credit file untouched. A credit check is only raised once you've seen your options and chosen to apply.
One match, not a mailing list
Your enquiry isn't pushed out to dozens of lenders at once. We don't do spray-and-pray — one specialist works out where it genuinely fits.
Software helps, a human decides
A real lending specialist reads every enquiry and calls you. Honest, accurate form answers let us line up the right option on the first try.
Frequently asked questions
Is the readiness score a loan approval?
No. It's a self-check that shows how smoothly an online application is likely to run based on what you have ready. Approval depends on a lender's assessment of your full situation, which only happens after you choose to apply.
Does using the readiness check affect my credit file?
No. Nothing you tick is sent anywhere — the check runs entirely in your browser. No credit enquiry is made, and we don't store your answers.
Why does the score count property separately?
Property isn't needed for unsecured loans, lines of credit or invoice finance, so it isn't a gap if you don't have it. It adds points because it opens up property-secured options from $20,000 to $5,000,000 and can make larger or faster amounts possible.
My score is low. Should I still enquire?
Often, yes. A low score usually means paperwork is missing rather than that finance is out of reach. Fix the quick items on your list, then enquire — or enquire now and tell the specialist what you're still pulling together.
Why does overdue ATO debt lower the score?
Lenders can see tax debt in bank statements, ATO statements and sometimes on credit reports. Overdue debt with no arrangement narrows the options. A payment plan that's being kept up reads very differently, which is why it scores better.
What if I don't use accounting software?
Many online lenders can work from bank statements alone for smaller unsecured amounts. Accounting software helps for larger amounts, invoice finance and lines of credit, because the lender can see receivables and profit as well as cash movements.
Score done? Let a specialist take it from here
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