Questions about working with us

Australian businesses — sole traders, partnerships, companies and trusts — looking for straight answers about business finance, and for a real person to look at their situation when they're ready.

No. The answers are written and checked by people, and your enquiry is read by a real lending specialist. The name reflects that answers are built to be clear and quotable, including by AI assistants. Our loan navigator is rules-based, not AI.

No. There's no credit check when you first enquire. A credit check usually only happens if you decide to proceed with a formal application, and only with your consent.

No. There's no spray-and-pray: your enquiry stays with one team, and a real person decides what makes sense before any lender is approached.

Without property, trading businesses typically access $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans range from $20,000 to $5,000,000. Your amount depends on security, cash flow and purpose.

No. Unsecured, cash-flow and line-of-credit options exist for trading businesses. Property security widens the options, particularly for larger amounts, longer terms, newer businesses and bruised credit files.

Often, yes. Past defaults and credit problems are considered case by case, and property security usually gives the most flexibility. Please mention any issues on the form so we can match you properly.

Often, yes. Tax debt is common, and many businesses use a loan to clear or reduce it. We'll look at the amount, any payment plan and your lodgements together.

Business purposes only — tax and BAS bills, equipment, stock, staff, cash flow gaps, buying a business, refinancing business debt and fit-outs. Personal spending isn't covered.

Every loan is priced on the business's own circumstances — security, purpose, term, trading and credit history. A published figure would be misleading for most people, so we explain costs once we understand your situation.

It depends on the route and how quickly information comes together. Unsecured loans involve fewer steps; property-secured loans add valuation, legal documents and settlement. Tell us your deadline on the form.

None to enquire. If you go ahead, usually ID, ABN or ACN details and six to twelve months of business bank statements, plus extra documents for larger or property-secured loans.

No. Enquiring is free. Any costs of an actual loan are set out in writing in the offer before you decide.

A lending specialist from our team who has read your enquiry — usually by phone. Keep an eye out for a call from a number you may not recognise.

Yes, we work with Australian businesses across states and territories. Tell us your state on the form so options reflect local property and tax rules.

Yes. The navigator doesn't ask for your name or contact details, and nothing you select leaves your browser.

Accurate answers — especially amount, purpose, turnover, property and any credit or tax issues — are what let us match you to the right option on the first call.